Before calculating
Prepare Monthly debt payments and Gross monthly income. Match each input to the document, measurement, or current source you are using. Keep units, dates, currency, and time periods consistent.
HOME BUYING, EQUITY, AND BORROWING
Debt-to-Income Ratio Calculator
Calculate a simple debt-to-income ratio from monthly debt payments and gross monthly income.
Review your result
Your result
Ready when you are.
Enter your values and select Calculate. Your result stays on this device.
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.
Build a reliable scenario
How to use and verify your Debt-to-Income Ratio Calculator result
Debt-to-Income Ratio Calculator helps you check a specific home & mortgages question with figures that apply to you. Calculate a simple debt-to-income ratio from monthly debt payments and gross monthly income. 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. The page keeps the method and limits visible so the result can be understood, compared, and checked instead of treated as an unexplained answer.
What changes the result?
The stated method is: Debt-to-income ratio = monthly debt payments ÷ gross monthly income × 100. Change one assumption at a time to see which input drives the result, then compare scenarios on the same basis.
When checking the answer
This is a simple ratio. Lenders can define qualifying income and debt differently. A DTI estimate is not a lending decision or financial advice.
Quick verification checklist
- • Confirm the date and unit of every input.
- • Replace defaults with values that match your case.
- • Compare the answer with a second scenario.
- • Use the official source for regulated or high-impact decisions.
Source and update
Last reviewed: 2026-08-08
Consumer Financial Protection Bureau mortgage guidanceFrequently asked questions
Is Debt-to-Income Ratio Calculator free to use?
Yes. This calculator runs in your browser and does not require an account.
Is the result guaranteed?
This is a simple ratio. Lenders can define qualifying income and debt differently.
Keep exploring