Debt-to-Income Ratio Calculator

This calculator divides your monthly debt payments by your gross monthly income to give the debt-to-income ratio lenders look at. Enter income monthly or annually, then list the rent or mortgage payment, car and personal loans, student loans, credit card minimums and any support payments. It returns the back-end ratio across all debt, the front-end ratio for housing alone, the cash left over each month, and where the result sits against the thresholds lenders commonly use. Utilities, groceries, insurance premiums and other living costs are deliberately left out, because lenders exclude them too.