Debt-to-Income Ratio Calculator

Estimate the share of gross monthly income used for required monthly debt payments.

Monthly Income and Debt Payments

Gross Monthly Income Before Taxes ($)Housing Payment Including Taxes and Insurance ($)Auto Loan Payments ($)Student Loan Payments ($)Minimum Credit Card Payments ($)Other Required Monthly Debt Payments ($)

Your Debt-to-Income Results

Total Monthly Debt Payments: $2,250.00

Back-End Debt-to-Income Ratio: 34.6%

Housing-Only Ratio: 24.6%

Income Left Before Taxes and Living Expenses: $4,250.00

DTI uses required monthly debt payments divided by gross income. Utilities, groceries, and discretionary spending are usually not included. Lenders may use different rules and documentation; this is not a loan approval decision.