Debt-to-Income Ratio Calculator

Add up recurring monthly debt payments such as rent, auto loans, student loans, credit card minimums, and proposed housing payment.

Enter your gross monthly income before taxes and deductions. Lenders often evaluate front-end and back-end DTI, and this tool focuses on the back-end view.

Compare the resulting percentage against common underwriting guidelines. Lower DTI generally indicates more room for new borrowing.

Debt-to-income ratio is one of the first affordability checks lenders use because it connects your existing obligations to income that is available to service new debt. A rising DTI can signal that even a modest new payment would stretch monthly cash flow.

When preparing for a mortgage, include the full proposed housing payment rather than rent if you are buying a home. That figure typically covers principal, interest, taxes, insurance, and any association dues that underwriters treat as recurring housing cost.

Self-employed borrowers should use stable gross income figures that match what they would document on a loan application. Large one-time bonuses can help cash reserves but may not count fully toward qualifying income depending on the lender.

Use the remaining income line as a sanity check after calculating DTI. If the ratio is acceptable on paper but little income remains for savings and daily expenses, you may still want a smaller loan or lower monthly obligations.