Debt to Income Calculator

Your debt-to-income ratio is the number lenders check first. Enter your gross monthly income and your monthly debt payments — housing, loans, cards — to see your DTI and where you stand against the limits lenders actually use.

Tool Features

• Front-end and back-end DTI ratios
• Compare against 28% / 36% / 43% thresholds
• See how much debt room you have left
• Test the effect of paying off a card
• No registration or software installation

Common Usage

• Check if you qualify for a mortgage
• See how a car loan changes your DTI
• Plan which debt to clear first
• Set a safe housing budget