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Debt-to-Income Ratio Calculator
Calculate a simple debt-to-income ratio from monthly debt payments and gross monthly income.
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How it works
Debt-to-income ratio = monthly debt payments ÷ gross monthly income × 100.
Assumptions
This is a simple ratio. Lenders can define qualifying income and debt differently.
Use case
debt to income calculator: a clear planning check
Calculate a simple debt-to-income ratio from monthly debt payments and gross monthly income. The stated formula, assumptions, and result limits remain visible so the calculation can be checked in context.
Use a clear debt to income calculator scenario with values you can verify before relying on the result.
Source and update
Last reviewed: 2026-08-08
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