Debt-to-Income Ratio Calculator
Divide your monthly debt payments by your gross monthly income to find your debt-to-income ratio, a key figure lenders use to judge affordability.
- Free
- No sign-up
Enter your monthly debt and income to see your DTI.
Worked example
With these example inputs:
- Monthly debt payments$1,800
- Gross monthly income$6,000
Debt-to-income ratio: 30.0%
- The remaining share70.0%
- If the first figure were 10% higher33.0%
Frequently asked questions
What is a good debt-to-income ratio?
Many lenders prefer a DTI of 36% or below, with no more than about 28% going to housing. Higher ratios can make borrowing harder or more expensive.
What counts as monthly debt?
Include recurring debt payments such as rent or mortgage, car loans, student loans, and minimum credit card payments, not utilities or groceries.