Debt-to-Income Calculator
See how lenders may read one income stream or several before you apply for a mortgage, refinance, or other loan.
Calculator
Debt-to-Income Calculator
Add each paycheck, side job, pension, or other gross monthly income source that should count toward the ratio.
Combined gross income: $7,000.00
Add rent or mortgage and any recurring housing charges you want included in the ratio.
Housing total: $1,800.00
Add each recurring debt payment separately so the total reflects auto loans, student loans, credit cards, and similar obligations.
Other debt payments: $900.00
Example values are loaded.
Result
Your result
Monthly debt payments of $2,700.00 create a debt-to-income ratio near 38.57%.
Debt-to-income ratio
38.57%
Monthly debt payments
$2,700.00
Remaining gross income
$4,300.00
Income sources
Debt payments
Next steps
Compare before you move on
Most people use one calculator to answer the first question and a related tool to pressure-test the decision.
Borrowing
Loan Calculator
Estimate monthly loan payments, total interest, and total repayment with a standard amortized loan formula.
Borrowing
Mortgage Calculator
Estimate monthly mortgage payments with principal, interest, taxes, insurance, PMI, HOA, and other recurring housing costs included.
Borrowing
Auto Loan Calculator
Estimate a realistic monthly car payment with vehicle price, down payment, trade-in value, trade-in payoff, rebate, tax, fees, and financing terms.
What this calculator shows
Debt-to-income ratio compares recurring monthly debt obligations with gross monthly income, and lenders often use it as a quick borrowing screen.
It now handles more realistic household math by totaling more than one paycheck and more than one recurring obligation without forcing you to pre-combine the numbers.
How to use it
- 1. Add each gross monthly income source before taxes.
- 2. List the housing costs the lender would count, then add any other recurring debt payments.
- 3. Review the resulting DTI ratio and compare it with the lending standards you expect to face.
Formula and assumptions
DTI = total monthly debt payments / gross monthly income x 100.
The calculation focuses on recurring debt obligations rather than groceries, utilities, childcare, or discretionary spending.
Notes
Lender standards vary. This is a planning estimate rather than a lending decision.
Worked example
One primary job, one part-time income stream, housing, and three recurring debts create a more realistic pre-approval planning case than a single combined number.
This example uses the default sample inputs loaded on reset. It does not update with the live calculator entries above.
Debt-to-income ratio
38.57%
Monthly debt payments
$2,700.00
Remaining gross income
$4,300.00
Feedback
Found a problem on this page?
Report confusing fields, broken math, or missing assumptions with the exact inputs you used so the issue can be reproduced.
FAQ
FAQ
Can I add two jobs or two borrowers?
Yes. Add each income source on its own row so the calculator totals the household gross income before dividing by monthly debts.
FAQ
Should I include utilities and groceries?
No. Traditional DTI focuses on recurring debt obligations rather than everyday living expenses.