Debt-to-Income Calculator
Divide monthly debt payments by gross income to get your DTI ratio.
The ratio lenders check first
Debt-to-income ratio is one of the first numbers a lender looks at: it measures how much of your gross monthly income already goes to debt. A lower ratio signals more room to take on and repay new borrowing.
Paying 1,500 a month in debts on 5,000 of gross income is a 30% DTI — comfortable by most standards. Many lenders prefer total DTI under 36% and cap it near 43% for a mortgage.
Useful and private
It divides your payments by income in your browser, so these personal figures never leave your device.
Frequently Asked Questions
What is DTI?
The share of your gross monthly income that goes to debt payments. Lenders use it to gauge how much more borrowing you can handle.
What is a good ratio?
Under 36% is generally comfortable; many mortgage lenders cap total DTI around 43%. Lower is better.
What counts as debt?
Recurring obligations like rent or mortgage, car loans, student loans, and minimum credit-card payments — not variable spending like groceries.
Browse the full set of free, private, in-browser tools.