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Debt-to-Income Ratio Calculator

Compute your debt-to-income (DTI) ratio — total monthly debt payments divided by gross monthly income, expressed as a percentage. The single most important number lenders look at when deciding whether to approve a mortgage, auto loan, or any other significant credit.

Monthly Debt Payments ($)

Monthly Gross Income ($)

Fill in the required fields to see your result.

Debt

Minimum Payment Calculator

Estimate a credit card's minimum monthly payment using the larger of a percent-of-balance floor or "interest plus 1% of principal" — the two common issuer formulas. Useful for predicting card payments and understanding why minimum-only payments take so long to clear a balance.

Credit Card Balance ($)

Annual Percentage Rate (APR) (%)

Minimum Payment Percentage (%)

Fill in the required fields to see your result.

Key differences

	Debt-to-Income Ratio Calculator	Minimum Payment Calculator
Category	Debt	Debt
Inputs required	2	3
Result	Debt-to-Income Ratio (%)	Minimum Monthly Payment ($)
What it does	Compute your debt-to-income (DTI) ratio — total monthly debt payments divided by gross monthly income, expressed as a percentage. The single most important number lenders look at when deciding whether to approve a mortgage, auto loan, or any other significant credit.	Estimate a credit card's minimum monthly payment using the larger of a percent-of-balance floor or "interest plus 1% of principal" — the two common issuer formulas. Useful for predicting card payments and understanding why minimum-only payments take so long to clear a balance.