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
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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.
How to read this result
DTI is a borrowing-pressure signal. A lower ratio usually means more room for a new payment, while a higher ratio means the next loan has to clear a much harder budget test.
Look at both the full DTI and the housing portion. If housing already takes too much of gross income, even a small new debt can tighten the whole profile.
Use this result before you shop. If the ratio is already stretched, the better next step is often payoff or affordability work, not a new application.
Common mistakes
Mixing in groceries, utilities, and other living costs. DTI is narrower than a full household budget and focuses on recurring debt obligations.
Understating housing by leaving out taxes, insurance, HOA dues, or other charges a lender may still count.
Treating a borderline DTI as a green light. Qualification standards vary, and a ratio that technically works can still leave the budget too tight.
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.