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Debt-to-Income Calculator

Compare monthly housing and other debt payments with your gross monthly income.

Your numbers

Make it your own
Updates as you type
Back-end debt-to-income ratio
33.3333%

Calculated from your inputs · rounded for display

Housing-only ratio25%
Total monthly debt payments$2,000.00

Enter required debt payments, with housing counted once. Not a loan approval result; lender definitions and requirements vary.

Your calculation, step by step

No black boxes
  1. Monthly debt payments = 1500 + 500.
  2. DTI = total monthly debt payments ÷ 6000 gross monthly income × 100.

What if things were different?

Save up to three scenarios, then change your inputs to compare the possibilities.

How to use this calculator

  1. Enter your own values in the labeled fields. Check the units and assumptions before comparing results. Only the fields needed for your selected calculation mode are shown.
  2. Your answer updates automatically. Review the calculation steps to see exactly how it was calculated.
  3. Copy, share, save, or download your result. Saved inputs stay on this device.

How the calculation works

DTI = (housing + other debt payments) / gross monthly income × 100

Use gross income before tax and count the housing payment only once. This tool reports both housing-only and combined debt ratios. It does not apply lender thresholds or determine eligibility for credit. Review the units, period and assumptions before comparing scenarios. Displayed values are rounded, while the underlying calculation retains its available precision.

A worked example

$1,500 housing plus $500 other debt divided by $6,000 income gives a 33.3333% combined debt-to-income ratio.

Reading your result

Use the main result together with its units and supporting figures. Display values are rounded; calculations keep their underlying precision. A change in inputs or assumptions can change the answer. Compare the step-by-step working with your intended use before relying on an estimate.

Frequently asked questions

What assumptions does this calculation use?

Use gross income before tax and count the housing payment only once. This tool reports both housing-only and combined debt ratios. It does not apply lender thresholds or determine eligibility for credit.

Can I save or check a scenario?

The result includes the working and supporting values. Save and Restore keep inputs on this device; Copy, Download and Print export the result. Sharing a scenario explicitly includes the inputs in its link.

Sources & methodology

This calculator uses the mathematical identity and assumptions stated above. No current rates, prices, or external data are loaded. Conversion tools use international unit definitions.

Formula review: October 24, 2026. Read our methodology.