Debt-to-Income Ratio Calculator
Calculate your DTI ratio used by lenders.
Result
Results are estimates for general information only and are not professional advice.
Debt-to-income ratio
Your DTI is total monthly debt payments divided by gross monthly income. Lenders use it to assess borrowing risk — generally 36% or below is healthy. This calculator shows your ratio and its category.
Frequently Asked Questions
What is the Debt-to-Income Ratio Calculator?
Calculate your DTI ratio used by lenders. It runs instantly in your browser and is completely free to use.
What do I need to enter to use the Debt-to-Income Ratio Calculator?
The Debt-to-Income Ratio Calculator asks for the following values (2): Monthly debt payments, Gross monthly income. Fill them in and the result appears immediately — the calculation runs on your own device, so nothing you type is sent to a server.
How accurate is the Debt-to-Income Ratio Calculator?
The Debt-to-Income Ratio Calculator uses standard, widely-accepted formulas, so its figures are reliable estimates for everyday planning. They are not a substitute for advice from a qualified professional.
Is the Debt-to-Income Ratio Calculator free, and do I need an account?
Yes. The Debt-to-Income Ratio Calculator — and every other calculator on Calculatis — is completely free, with no registration, no download and no limit on how often you use it.