Finance calculator
Debt-to-Income Calculator
Calculate your debt-to-income ratio for loan qualification.
About the debt-to-income calculator
The debt-to-income calculator calculates your DTI ratio, a key metric lenders use to evaluate loan applications.
How to use this calculator
- 1
Enter gross income
Enter your gross monthly income.
- 2
Enter debt payments
Enter all monthly debt payments (mortgage, auto, student, credit cards, etc.).
- 3
View results
See your DTI ratio and risk assessment.
How the calculation works
DTI = total monthly debt payments ÷ gross monthly income × 100. Lenders typically prefer DTI below 36%.
Example: 5,000 income, 1,200 mortgage, 300 auto, 200 student, 100 cards = 36% DTI.
How financial calculations work
Most finance calculators use standard formulas: amortization for loans, compound interest for savings, and present/future value for investments. Results are estimates — actual terms may vary based on lender fees, credit score, taxes, and market conditions. Always consult a financial advisor for major decisions.
Understanding key financial terms
APR (Annual Percentage Rate) includes fees and interest. APY (Annual Percentage Yield) reflects compound interest. DTI (Debt-to-Income) ratio measures monthly debt payments against gross income. Lenders typically prefer DTI below 36%. CAGR (Compound Annual Growth Rate) smooths investment returns over time.
Important limitations
This tool provides a mathematical estimate based only on the values entered. It does not account for regulations, taxes, lender fees, market conditions, or individual circumstances. Results are for planning purposes only — consult a qualified professional for regulated, medical, financial, or construction decisions.
Frequently asked questions about debt-to-income calculator
How accurate is the debt-to-income calculator?+
The calculation follows the displayed formula and retains full numeric precision before formatting the result.
Can I use the result professionally?+
Use it as a planning estimate. Confirm regulated, medical, financial, or construction decisions with a qualified professional.