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Debt-to-Income Ratio Calculator

Find out what percentage of your gross monthly income goes toward debt payments. Lenders use your DTI ratio to evaluate mortgage and loan applications.

Monthly Gross Income ($)

Monthly Mortgage/Rent Payment ($)

Monthly Credit Card Payments ($)

Monthly Loan Payments ($)

Other Monthly Debt Payments ($)

Fill in the required fields to see your result.

Debt

Debt-to-Income Ratio Calculator

Calculate your debt-to-income ratio — the percentage of your gross monthly income that goes to debt payments — exactly the way mortgage lenders compute it. Use it to gauge how lenders will view your application and to identify whether your debt load is comfortable, stretched, or risky.

Gross Monthly Income ($)

Mortgage/Rent Payment ($)

Credit Card Payments ($)

Auto Loan Payments ($)

Other Debt Payments ($)

Fill in the required fields to see your result.

Key differences

	Debt-to-Income Ratio Calculator	Debt-to-Income Ratio Calculator
Category	Debt	Debt
Inputs required	5	5
Result	Debt-to-Income Ratio (%)	Debt-to-Income Ratio (%)
What it does	Find out what percentage of your gross monthly income goes toward debt payments. Lenders use your DTI ratio to evaluate mortgage and loan applications.	Calculate your debt-to-income ratio — the percentage of your gross monthly income that goes to debt payments — exactly the way mortgage lenders compute it. Use it to gauge how lenders will view your application and to identify whether your debt load is comfortable, stretched, or risky.