Debt-to-Income Calculator
Work out your debt-to-income ratio: the share of your monthly income that goes to debt payments. Lenders use it to decide how much you can borrow. It runs in your browser.
Also searched as: debt to income ratio calculator · dti calculator · debt to income calculator · dti ratio calculator · mortgage dti calculator
Updated November 9, 2026
Loading the tool…
How to use it
- 1
Enter your income
Type your gross monthly income, before tax.
- 2
Add your payments
Enter your housing payment and each debt payment.
- 3
Read the ratio
See your ratio and how lenders tend to read it.
Questions about debt-to-income calculator
How is DTI calculated?
Add up your monthly debt payments and divide by your gross monthly income before tax.
What is a good DTI?
Many lenders prefer 36% or less, and 43% is often treated as an upper limit, though rules differ by lender and loan type.
What is the housing share?
Your rent or mortgage payment as a share of income. Some lenders look at it as well as the total.
How the ratio is worked out
Add up your monthly debt payments and divide by your gross monthly income, which is your pay before tax. With 6,000 of income, a 1,500 rent or mortgage payment, a 350 car loan, 200 of student loan and 100 of card minimums, the payments total 2,150 and the ratio is 35.83%. The housing payment alone is 25.00% of income.
The same debts look very different on different incomes, as the table shows.
| Monthly income | Total payments | Debt-to-income ratio |
|---|---|---|
| 4,000 | 2,150 | 53.75% |
| 5,000 | 2,150 | 43.00% |
| 6,000 | 2,150 | 35.83% |
| 8,000 | 2,150 | 26.88% |
What counts and how lenders read it
Count rent or a mortgage, car loans, student loans, credit card minimums and other loan payments. Everyday costs such as groceries, utilities, phone bills and insurance are normally left out. Many lenders also count support payments you make. Use income before tax, because that is what lenders use.
Many lenders prefer a total ratio of 36% or less and treat about 43% as an upper limit, though limits differ by lender, loan type and country. Some also look at the housing share alone, with 28% a common figure. To lower your ratio, pay off a loan that has a high payment, or raise your income.