Debt & loans
Debt-to-Income Ratio Calculator
Debt-to-Income Ratio Calculator is free to use. Enter your figures below and the result updates as you type. Use it for planning; it is an estimate, not advice.
About the Debt-to-Income Ratio Calculator
DTI = Monthly debt payments ÷ Gross monthly income × 100.
Lenders often prefer a DTI of 36% or less.
How to use the Debt-to-Income Ratio Calculator
- Enter each figure in the boxes above, using the same currency and time units.
- The result updates as you type. Press Calculate to refresh it at any time.
- Change one figure at a time to see how much it moves the result.
Frequently asked questions
What is the Debt-to-Income Ratio Calculator used for?
Lenders often prefer a DTI of 36% or less.
How accurate is the Debt-to-Income Ratio Calculator?
It applies standard formulas to the figures you enter. Real results depend on actual rates, fees, taxes and timing, so treat the output as an estimate and confirm with your bank or adviser.
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