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About the debt-to-income ratio calculator
Your debt-to-income ratio (DTI) is the part of your income that goes to debt payments each month. Lenders look at it before they give you a mortgage, a car loan or a credit card. A lower number means you have more room in your budget.
Type your income before tax and your monthly payments for housing, car loans, student loans, cards and other loans. The calculator shows:
- Your debt-to-income ratio
- what lenders think of it
- The housing only (front-end ratio)
- Your total debt payments per month and income per month, before tax
- How much more you could pay per month and stay at 36%
Features
- Your DTI in percent — the result updates as you type each payment
- What lenders think — a short verdict: good, OK, high or very high
- Front-end ratio — see the share of your income that goes to housing only
- Five kinds of debt — rent or mortgage, car loans, student loans, credit card minimums and other loans
- Monthly or yearly income — type your income Monthly or Yearly; the tool turns it into a monthly amount
- Room left at 36% — see how much more you could pay each month and still stay at 36%
- 47 currencies — pick your Currency; the choice is remembered and used by the other money tools too
- Private and saved — it all works in your browser, nothing is uploaded, and your numbers stay on this device for next time
How to use it
- Type your Income before tax and choose Monthly or Yearly
- Under Monthly payments, type Rent or mortgage, Car loans, Student loans and Credit card minimums
- Use Other loans and support for personal loans, child support or alimony you pay
- Do not add food, phone, utilities or insurance — only debts and housing
Example with the starting numbers
Income $6,000 a month. Rent $1,600, car loan $350, student loan $250, card minimums $100:
| Result | Amount |
|---|---|
| Debt-to-income ratio | 38.3% |
| What lenders think | OK — many lenders still say yes |
| Housing only (front-end ratio) | 26.7% |
| Debt payments per month | $2,300 |
| Income per month, before tax | $6,000 |
| More you could pay per month and stay at 36% | $0 |
$2,300 ÷ $6,000 = 0.383, so the DTI is 38.3%. It is above 36%, so there is no room left under that line.
What lenders think of your DTI
The calculator uses these bands:
| DTI | What lenders think |
|---|---|
| 36% or less | good — most lenders are happy |
| 36% to 43% | OK — many lenders still say yes |
| 43% to 50% | high — hard to get a new loan |
| Over 50% | very high — work on paying debt down |
Each lender has its own rules, so these are a guide, not a promise.
Same debts, different income
The same $2,300 of debt payments each month:
| Income per month | Income per year | DTI |
|---|---|---|
| $4,000 | $48,000 | 57.5% |
| $5,000 | $60,000 | 46.0% |
| $6,000 | $72,000 | 38.3% |
| $7,000 | $84,000 | 32.9% |
| $8,000 | $96,000 | 28.7% |
To lower your DTI, you can pay a debt off (a car loan of $350 gone takes the example from 38.3% to 32.5%) or raise your income.
Frequently asked questions
How do I calculate my debt-to-income ratio?
Add all your monthly debt payments, housing included. Divide by your monthly income before tax and multiply by 100. $2,300 ÷ $6,000 × 100 = 38.3%.
What is a good debt-to-income ratio?
36% or less is a good DTI for most lenders. Up to about 43% is often still OK. Above that, a new loan gets harder to get.
What is the front-end ratio?
It counts only your housing payment: Rent or mortgage ÷ income. In the example it is $1,600 ÷ $6,000 = 26.7%. Many lenders like it at 28% or less. The full ratio with all debts is the back-end ratio.
Should I use income before or after tax?
Before tax (gross income). That is what lenders use. If you know only your yearly salary, type it and choose Yearly — the calculator divides by 12.
What do I count as debt?
Housing (rent or mortgage), car loans, student loans, the minimum payment on each credit card, personal loans and support you must pay. Do not count food, phone, utilities, streaming or insurance.
Is this financial advice?
No. It is a planning tool. A lender may count your income and debts in its own way.
Good to know
- Works with any currency — choose it at the top
- Your numbers are saved only in this browser
- Nothing you type is sent anywhere
Related tools
- How Much House Can I Afford — the home price that fits your DTI
- Debt Payoff Calculator — pay off debts faster, step by step
- Credit Card Payoff Calculator — how long a card takes to pay off
- Budget Calculator — split your income with the 50/30/20 rule
- Refinance Calculator — a lower rate means a lower payment
