About the debt-to-income ratio calculator
Your debt-to-income ratio is the share of your gross monthly income that goes to debt payments. Lenders use it to judge how much more debt you can comfortably take on.
How to use this calculator
- Add up your monthly debt payments.
- Enter your gross monthly income.
- Read your DTI ratio.
Worked examples
- 1,800 ÷ 6,000 = 0.30
30%.
Measurement guidance
What counts as debt
Include rent or mortgage, car loans, student loans, personal loans, and minimum credit card payments. Don’t include utilities, groceries, or insurance.
Frequently asked questions
What is a good DTI?
Many lenders prefer about 36% or less, though limits vary by lender and loan type.
Is income before or after tax?
Before tax (gross).