Debt-to-Income Ratio Calculator
Measure your debt against gross monthly income
Use this when you need a fast, accurate result — no sign-up, works entirely in your browser.
Debt-to-Income Ratio—
Lender outlook—
How to Use
- Enter your details into the fields above.
- Click the calculate button to get your result instantly.
- Use the clear button to start a new calculation.
Example
- Monthly debt $1,200, gross monthly income $4,000 → DTI = 30%
- Monthly debt $2,000, gross income $6,000 → DTI = 33.33% (Healthy, ≤36%)
Formula
Debt-to-Income Ratio = (total monthly debt payments ÷ gross monthly income) × 100. Lower is better; lenders typically prefer ≤ 36%.
About Debt-to-Income Ratio Calculator
Measure your debt against gross monthly income. This free online tool gives you fast, accurate results without registration or downloads.
Everything runs locally in your browser, so your data is never uploaded or stored — privacy first.
Frequently Asked Questions
What is a good debt-to-income ratio? +
Most lenders prefer a DTI of 36% or lower. Ratios up to 43% may still qualify for some loans, while above 43% is generally considered high risk.
How is DTI calculated? +
It is your total monthly debt payments divided by your gross monthly income, expressed as a percentage.
Is the DTI calculator free? +
Yes, it is completely free with no registration or download.