Finance Calculators
Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio from monthly income and debt payments.
Free foreverRuns in your browserNo sign-up
Debt-to-income ratio
30%
30%
DTI ratio
Lower
Category
DTI is your monthly debt payments divided by your gross monthly income. Lenders often view lower ratios more favourably, but this is general information, not financial advice.
About the Debt-to-Income Ratio Calculator
The Debt-to-Income Ratio Calculator finds what share of your gross monthly income goes toward debt payments.
DTI is your total monthly debt payments divided by your gross monthly income, shown as a percentage. Lenders use it to gauge how comfortably you can take on new debt.
The tool also shows a simple lower, moderate or higher band. This is general information, not financial advice, and all maths runs in your browser.
Key features
- DTI percentage
- Simple interpretation band
- Uses gross monthly figures
- Instant browser-based calculation
How to use
- 1Enter your gross monthly income and choose a currency.
- 2Enter your total monthly debt payments.
- 3Read your DTI percentage and category.
Frequently asked questions
- How is DTI calculated?
- Divide your total monthly debt payments by your gross monthly income, then multiply by 100 for a percentage.
- What counts as debt?
- Typically recurring obligations such as loan, mortgage, card and other regular debt payments. Everyday spending is usually excluded.
- Is a lower DTI better?
- Generally lenders view a lower DTI more favourably, but requirements vary. This tool provides general information, not financial advice.