Debt
Debt-to-Income Ratio Calculator
Debt-to-income ratio, often called DTI, is a common lending metric that compares monthly debt payments with gross monthly income. This calculator helps you understand your current ratio before applying for loans or reviewing your budget.
Debt-to-income ratio
Enter your values and press Calculate.
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Frequently asked questions
Should I use gross income or net income?
This calculator uses gross monthly income because that is common in lending decisions.
Which payments count as debt?
Recurring obligations such as loans, credit card minimums, and other contractual debt payments usually count.