MONEY & FINANCE · FREE INTERACTIVE CALCULATOR
Debt-to-Income Ratio Calculator
Compare monthly debt obligations with gross monthly earnings. Change the inputs below to calculate a result immediately. No account required.
Debt-to-income
30%Income after debt payments
$4,200.00How to calculate the answer
Debt-to-income (%) = monthly debt obligations ÷ gross monthly income × 100.
Worked example
Monthly debts of $1,800 against gross income of $6,000 produce a 30% DTI.
For the example inputs shown above, the calculated results are:
| Debt-to-income | 30% |
|---|---|
| Income after debt payments | $4,200.00 |
How to interpret this result
DTI is not an approval decision. Lenders define qualifying debts differently.
The initial figures are illustrative examples, not live quotations or historical data. You can change the inputs to model your own situation. Always verify information used for important financial, educational or property decisions.
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Frequently asked questions
What is debt-to-income (DTI)?
DTI is your monthly debt payments divided by your gross monthly income, shown as a percentage.
What DTI do lenders prefer?
Lenders set their own limits and they vary by loan type. Lower is generally better.
What debts count?
Typically mortgage or rent, loans, minimum card payments and other recurring debt. Lenders define the list.
Sources and further reading
Last updated: . Results are estimates for information only and are not financial, medical or professional advice.