Debt-to-Income Ratio Calculator

Compare required monthly debt payments with gross monthly income.

Method and required inputs

Use the payment figures a lender is likely to count and distinguish front-end housing obligations from total debt when relevant. DTI is one underwriting factor and does not guarantee approval.

Debt-to-income divides monthly debt obligations by gross monthly income. Housing-only and total-debt ratios may be evaluated differently. Use payments likely to appear in underwriting rather than the amount a borrower hopes to pay.

Read the complete result

Include the proposed housing payment, taxes, insurance, association dues, minimum card payments, installment loans, student loans, support obligations, and other required debts when applicable. Convert stable income using the lender's documentation convention.

Run a stress case

Stress the ratio with the full proposed payment, a rate increase, lower qualifying income, or a newly reported obligation. A ratio can satisfy a program guideline while the remaining take-home cash is still uncomfortable.

Limits and verification

Lenders define income and counted debts differently and may apply program limits or overlays. DTI is one underwriting factor and does not guarantee approval, rate, or loan amount.

This calculator is educational, not a quote, approval, guarantee, tax opinion, or individualized recommendation. Confirm material figures, current rules, and actual product terms before acting.

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