Debt-to-Income Ratio Calculator
Practical tip: lenders care about your debt-to-income ratio because it shows how much of your pay is already spoken for. Lower is better when you apply.
Run your numbers
How to use this tool
Enter your gross monthly income — before taxes, from all regular sources.
Enter each monthly debt payment — housing, car, credit cards, student loans, and anything else you repay monthly.
Leave any field at 0 if it does not apply to you, then press Calculate.
Read your DTI and the plain-language guidance. Remember it is general guidance only, not a lending decision.
Keep reading: borrower guides
What Is Debt-to-Income Ratio and How Do Lenders Use It?
What Credit Score Do You Need for a Loan? A Practical Guide
How Much House Can You Afford? A Practical Worksheet Approach
Estimates only, not financial advice. Check final terms with your lender.