Calculate your debt-to-income ratio by comparing monthly debt payments with gross monthly income.
Compare how income, debt, rates, refinancing costs and ownership assumptions affect housing decisions.
Enter the requested values above and select Calculate. The result updates immediately on the page, so you can change one value and compare different scenarios without leaving the calculator.
Monthly debts of $1,800 divided by $6,000 of gross monthly income equals a 30% debt-to-income ratio.
Calculate your debt-to-income ratio by comparing monthly debt payments with gross monthly income. It is designed for quick estimates and everyday problem solving. When a calculation affects a contract, tax filing, medical decision or other high-stakes situation, verify the result with the appropriate professional or authoritative source.
With $2,100 in recurring monthly debt payments and $7,000 in gross monthly income, DTI = 2,100 ÷ 7,000 × 100 = 30%. Compare obligations and income over the same month.
What to check: Lender DTI definitions vary; housing expenses, proposed mortgage payments, alimony, and some other obligations may be included. Utilities and groceries are usually budget expenses, not DTI debts.
Compare with the Loan Payment calculator when that better matches the question you are trying to answer.
Calculate your debt-to-income ratio by comparing monthly debt payments with gross monthly income.
DTI = monthly debt payments ÷ gross monthly income × 100.
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The Consumer Financial Protection Bureau defines debt-to-income ratio as monthly debt payments divided by gross monthly income. Lenders and loan products may use different limits or definitions.
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