Use the Debt-to-Income Ratio Calculator
Lenders use DTI to judge how much of your income already goes to debt.
- Free to use
- No signup
- Nothing to install
- Runs in your browser
Illustration. Open the tool for the real thing.
See it in action
The Debt-to-Income Ratio Calculator with sample data entered and the result showing.
What is the Debt-to-Income Ratio Calculator?
Lenders use DTI to judge how much of your income already goes to debt.
Fill in the fields and the page works out the result for you.
3 steps to your result
Open the tool and follow along. Nothing to install.
What you get
Total Monthly Debt Payments ($), Gross Monthly Income ($)
Rating, Monthly Debt, Monthly Income, Lender Preferred Max.
Part of the Mortgage & Real Estate group of AZRS calculators.
AZRS tools are free to open and use.
It opens in your browser, so there is nothing to download.
Used for
Pick one to see how it fits.
How it compares
A plain look at this tool next to the usual alternative.
| This calculator | Desktop software | |
|---|---|---|
| Install | Nothing to install | Usually an app or program to install |
| Account | No signup | Depends on the product |
| Cost | Free to use | Free or paid, depends on the product |
| Where it runs | In your browser tab | On your computer |
Questions people ask
What does the Debt-to-Income Ratio Calculator do?
Lenders use DTI to judge how much of your income already goes to debt.
Which formula does it use?
The page lists the formula as DTI = Total Monthly Debt ÷ Gross Monthly Income × 100.
What does it assume?
Most mortgage lenders prefer a DTI of 36% or lower (up to 43-50% for some loan types).
Is the result financial advice?
No. It is an estimate to help you plan. Check important decisions with a qualified professional.
Do I need an account to use the Debt-to-Income Ratio Calculator?
No. Open the page and enter your numbers.
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Try the Debt-to-Income Ratio Calculator now
Lenders use DTI to judge how much of your income already goes to debt. Free to use.
Try it free