Calculator
Debt-to-Income Ratio Calculator
A debt-to-income ratio calculator divides your monthly debt payments by your gross monthly income. The result shows how much of your income goes to debt before taxes and other deductions.
Advertising disclosure: EmergencyLoaning may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.
- Runs in your browser
- No sign-up
- Free
Enter your numbers and press Calculate. Nothing you type leaves your browser.
How this calculator works
Debt-to-income ratio (DTI) compares your monthly debt payments to your gross monthly income. Lenders use it to judge whether you can take on another payment.
DTI = (housing payment + other monthly debt payments) / gross monthly income * 100.
- Front-end ratio: housing payment / income * 100.
- Back-end ratio: all debt payments / income * 100.
Gross income is income before taxes and deductions. If income is 0 the ratio is undefined, so the calculator returns no value.
Different lenders apply different thresholds, so ask the lender what it requires rather than assuming a single cutoff.
How to use this calculator
Enter your numbers
Everything runs in your browser. Nothing you type is sent to us.
Read the result
The result shows the headline figure and the numbers behind it, so you can see where the cost comes from.
Check the rules before you apply
State caps and licensing decide what a lender may offer you. The state reference lists both with their sources.
Before you apply, run the numbers
The calculators are free and run in your browser. When you are ready to look at real offers, the link below goes to our referral partner.
Advertising disclosure: EmergencyLoaning may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.