How to use this debt-to-income ratio calculator
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.
Formula and method
Example
Monthly debts of $1,800 divided by $6,000 of gross monthly income equals a 30% debt-to-income ratio.
What this calculator is useful for
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.
Frequently asked questions
What does the Debt-to-Income Ratio Calculator calculate?
Calculate your debt-to-income ratio by comparing monthly debt payments with gross monthly income.
How does the calculation work?
DTI = monthly debt payments ÷ gross monthly income × 100.
Is this calculator free?
Yes. ERICH Calculators is free to use and no account is required.