Debt-to-income ratio calculator
Calculator
The calculator needs JavaScript. The tables below give the same numbers for common cases.
How it is worked out
- DTI = monthly debt payments ÷ gross monthly income × 100 = $1,800.00 ÷ $6,000.00 × 100 = 30%.
- Lenders set their own limits; check the one that applies to your loan.
| Inputs | Answer |
|---|---|
| Total monthly debt payments: 1800; Gross monthly income: 6000 | Your debt-to-income ratio is 30% ($1,800.00 of $6,000.00 a month). |
| Total monthly debt payments: 2500; Gross monthly income: 5200 | Your debt-to-income ratio is 48.0769% ($2,500.00 of $5,200.00 a month). |
| Total monthly debt payments: 900; Gross monthly income: 4800 | Your debt-to-income ratio is 18.75% ($900.00 of $4,800.00 a month). |
How to use it
DTI = total monthly debt payments ÷ gross monthly income × 100. $1,800 of payments on $6,000 of income is 30%. Lenders use DTI to judge whether you can afford more credit and set their own limits.
Include housing, car, student loan, credit card minimums and other loan payments; leave out everyday living costs.
Frequently asked questions
How is DTI calculated?
Monthly debt payments divided by gross monthly income.
What counts as debt?
Recurring loan and credit payments, including the housing payment.
What DTI is acceptable?
It depends on the lender and the loan type; check the one you are applying to.
Method: standard arithmetic shown step by step; no outside data is used. Checked 2026-11-12.
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General information only. Results are plain arithmetic on the numbers you enter; check anything important (money, health, school work) against your own records or the official source.