Debt-to-Income Ratio Calculator (DTI)
Debt-to-income ratio calculator: monthly debt payments as a share of gross monthly income, as lenders measure it.
DTI = DI
How to use this calculator
- Choose the quantity you want under “Solve for”.
- Type the known values and pick their units: any combination works.
- The result updates as you type. Open “Show the steps” to see the substitution.
DTI = monthly debt payments ÷ gross monthly income. Include mortgage or rent, car, student and personal loans and minimum card payments.
Many US mortgage lenders prefer a DTI of 36 % or less, and qualified mortgages generally cap it around 43 %.
Estimates for information only, not financial advice.
Formula
DTI = DI
| Symbol | Quantity | Units |
|---|---|---|
| D | Monthly debt payments | $, €, £ |
| I | Gross monthly income | $, €, £ |
| DTI | Debt-to-income ratio | %, × |
Worked example
Given: D = 1,800.00 $ · I = 6,000.00 $
DTI = DI
Result: DTI = 30 %
Frequently asked questions
What is my DTI with $1,800 of debt and $6,000 of income?
1,800 ÷ 6,000 = 30 %.