📉 Debt-to-Income (DTI) Calculator
Enter your total monthly debt payments and gross monthly income to calculate your debt-to-income ratio, a number lenders commonly use.
How the Debt-to-Income (DTI) Calculator works
DTI is calculated as total monthly debt payments divided by gross monthly income, expressed as a percentage. Lenders generally prefer a lower DTI.
Step-by-step calculation
- 1Add up monthly debt payments.
- 2Enter gross monthly income.
- 3Divide debts by income and multiply by 100.
Worked example
$1,800 of monthly debts on $6,000 gross monthly income is a 30% DTI.
Debt-to-Income (DTI) Calculator examples
| Total monthly debt payments ($) | Debt-to-income ratio |
|---|---|
| 1,000 | 16.7% |
| 1,500 | 25.0% |
| 2,000 | 33.3% |
| 2,500 | 41.7% |
| 3,000 | 50.0% |
Other inputs kept at the calculator's default values. Results calculated by this calculator.
Why use a Debt-to-Income (DTI) Calculator?
Check whether lenders are likely to approve a mortgage or loan.
Important factors that can affect your results
- Lenders count only certain debts.
- Gross (before-tax) income is used.
- Many lenders prefer 36% or lower; some allow up to about 43–50%.
Frequently asked questions
What counts as monthly debt?
Typically rent/mortgage, car loans, student loans, credit card minimums, and other recurring debt — not everyday expenses like groceries.
What DTI do lenders look for?
This varies by lender and loan type; many mortgage lenders prefer a DTI under 36-43%, but requirements differ.
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Last reviewed November 2026 · How we build and check our tools · Report a problem