Debt-to-Income Ratio Calculator
DTI = monthly debt ÷ monthly income — a quick underwriting-style sketch. Click any i for detail.
Debt & income
Monthly debt payments ($)
i
Debt
Housing, loans, minimum credit-card payments, etc. |
|
|---|---|
Monthly gross income ($)
i
Income
Gross monthly income before taxes. |
How to use this calculator
- Enter total monthly debt payments.
- Enter gross monthly income.
- Read DTI % and a rough underwriting band.
- Compare with your lender’s published guidelines.
Results explained
Debt-to-income divides recurring monthly debt by gross monthly income. Conventional sketches often cite ~36% and ~43% as common checkpoints, but lenders, product type, and compensating factors vary widely.
Quick reference: DTI bands
DTI% = debt / income × 100.
| Item | Detail |
|---|---|
| ~36% | Often cited for conventional comfort |
| ~43% | Common QM-style back-end sketch |
| Front-end | Housing-only ratio — not split here |
| Gross income | Use pre-tax monthly income |
Educational only — not a loan approval or denial.
How the estimate is built
DTI% = monthlyDebt / monthlyIncome × 100.
Example scenario
$2,000 debt on $6,000 income → 33.3% DTI.
FAQ
Gross or net income?
Use gross monthly income for classic DTI.
Include rent?
If you rent, housing payment usually counts in the debt side.
Credit cards?
Typically the minimum payment, not the full balance.
Front-end vs back-end?
This page is a single combined DTI sketch.