Debt-to-income ratio calculator
Add up your monthly debt payments and divide by your gross monthly income to see your debt-to-income ratio.
How this works
- Your debt-to-income ratio is all your monthly debt payments divided by your gross monthly income (CFPB).
- Gross income is generally what you earn before taxes and other deductions, so it's higher than take-home pay.
- Your rent or mortgage has its own line so you can include it or leave it out, depending on what your lender asks for.
- Different loan products and lenders have different limits, so no cutoff is built in. Enter the limit your lender uses to compare.
Sources
Awaiting expert reviewEstimates only; not financial, tax or legal advice.
Common questions
What is a debt-to-income ratio?
All your monthly debt payments divided by your gross monthly income, shown as a percentage.
Is DTI based on gross or take-home income?
Gross monthly income: generally the amount you earn before taxes and other deductions are taken out.
What's a good debt-to-income ratio?
There's no single number. Different loan products and lenders have different DTI limits, so ask the lender which one it uses.
How can I lower my debt-to-income ratio?
Pay down balances to shrink minimum payments, avoid new debt, or raise your income. The payoff planner shows how extra payments change your debt-free date.
Is the information I enter saved or sent anywhere?
No sign-up is needed. Your numbers are saved only in this browser, and the other tools on the site reuse them.