Debt-to-Income Ratio Calculator
DTI % = Total monthly debt payments ÷ Monthly income × 1001500÷5000×100=30%
Free online tool
Debt-to-Income Ratio Calculator
Enter your monthly debt payments and gross monthly income to find your DTI ratio.
Instant calculation
Debt-to-Income Ratio Calculator
Enter your monthly debt payments and gross monthly income to find your DTI ratio.
Your result
Calculation
Your numbers stay in this browser. Nothing is uploaded or saved.
Three clear steps
How to use this calculator
- 01
Enter monthly debts
Type the total of all monthly debt payments.
- 02
Enter monthly income
Type your gross monthly income.
- 03
See DTI ratio
Calculate to see your debt-to-income percentage.
The formula
How this calculation works
Lenders use DTI to assess borrowing capacity. A lower ratio is better; under 36% is generally considered healthy.
Check the method
Worked examples
Each example follows the same formula used by the calculator.
$1,500 monthly debt with $5,000 income — DTI?
1500÷5000×100=30%30% DTICommon questions
Questions about this calculation
What is the Debt-to-Income Ratio Calculator?
The Debt-to-Income Ratio Calculator helps you calculate your debt-to-income ratio from monthly debt payments and income. Enter your values and select Calculate to get an instant result.
How is the result calculated?
Lenders use DTI to assess borrowing capacity. A lower ratio is better; under 36% is generally considered healthy.
Can you show an example?
Example: $1,500 monthly debt with $5,000 income — DTI? — 30% DTI.
Is my data saved when I use the Debt-to-Income Ratio Calculator?
No. All calculations run locally in your browser. Your inputs and results are never uploaded, stored or shared with anyone.
Is the Debt-to-Income Ratio Calculator free to use?
Yes. The Debt-to-Income Ratio Calculator is completely free. No account, sign-up or payment is required. It works on mobile, tablet and desktop.
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