Finance & Investment
Debt-to-Income Ratio Calculator
Debt-to-Income Ratio — it computes the debt-to-income ratio = total monthly debt payments ÷ gross monthly income × 100. This page runs that same calculation on your numbers, in your browser: no signup, no uploads, nothing stored.
Debt-to-Income Ratio Calculator takes your total monthly debt payments and gross monthly income and gives back the DTI percentage, applying monthly debt payments ÷ gross income. It's a quick, browser-based way to work out your debt-to-income ratio.
About this calculator
Get debt-to-income ratio right and the rest of the task gets easier. It computes the debt-to-income ratio = total monthly debt payments ÷ gross monthly income × 100. It matters any time money changes value over time — savings, loans, investments, prices and pay all reduce to these relationships. With 25,000 in monthly debt payments and 80,000 income: DTI = 25,000 ÷ 80,000 × 100 = 31.25% . The tool above does the same computation in your browser — free, private, nothing stored.
How to use
- Enter your total monthly debt payments.
- Enter your gross monthly income (pre-tax).
- Press Calculate to see your DTI percentage and band.
- Compare the result against typical lender limits.
Why use Debt-to-Income Ratio Calculator
Fast
Calculations run in your browser. No round trip to a server.
Private
Your inputs never leave your device. Nothing is uploaded.
Free
No signup, no paywall, no ads-in-results, no watermarks.
Educational
Uses simplified financial formulas for educational estimates. Results may not include fees, taxes, insurance, lender rules, penalties, or credit decisions.
Mobile-ready
Optimised for phones, tablets, and desktops alike.
Transparent
Clear about the method used and its limits, with disclaimers where they matter.
Common uses
Use it when tracking your debt load
Use it for loan-approval odds
Use it when checking mortgage or loan readiness
Use it for a borrowing-readiness check
Use it when comparing DTI to lender limits
Use it for a lender affordability review
Technical notes
Debt-to-Income Ratio Calculator computes the debt-to-income ratio = total monthly debt payments ÷ gross monthly income × 100.
Uses the monthly debt payments and gross income you enter; lenders may count items differently.
Nothing you type is uploaded — the calculation happens entirely on your device.
FAQ
How is DTI calculated?
Divide your total monthly debt payments by your gross monthly income and multiply by 100. For example, 1,500 of debt on 5,000 income is a 30% DTI.
What DTI do lenders prefer?
Many lenders favour a DTI under 36%, with the housing portion below about 28%. Higher ratios can make approval harder or raise the rate.
Should I use gross or net income?
Lenders typically use gross (pre-tax) income for DTI, so enter your gross monthly income for a comparable figure.
Does the Debt-to-Income Ratio Calculator send my data to a server?
No. The Debt-to-Income Ratio Calculator runs entirely in your browser — your inputs never leave your device, and nothing is uploaded or stored.
Worked example
With 25,000 in monthly debt payments and 80,000 income: DTI = 25,000 ÷ 80,000 × 100 = 31.25%.