Debt-to-Income Ratio Calculator

Calculate your debt-to-income (DTI) ratio. Lenders use DTI to determine mortgage qualification — aim for 36% or lower.

Monthly Mortgage/Rent ($)Housing payment

Monthly Auto Loan ($)Car payment

Monthly CC Minimum ($)Credit card minimums

Other Monthly Debt ($)Student/personal loans

Gross Monthly Income ($)Before tax income

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About the Debt-to-Income Ratio Calculator

Free online debt-to-income ratio calculator. Quick, accurate results. All calculations run in your browser — no signup needed.

Example: Try the default values to see how it works.

How to use: Enter your numbers. Results update automatically as you type.

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Disclaimer: This calculator is for informational purposes only. Results are estimates and should not be considered financial advice. Verify important calculations independently.