Debt-to-Income Ratio Calculator

Finds your debt-to-income ratio from gross income and monthly debt payments, monthly or annual, with the front-end housing ratio alongside. A third mode works the other way: enter income, existing payments, the lender's maximum DTI, a rate and a term, and it returns the largest new loan and payment that fit under that limit. DTI is only one test a lender applies; credit score and the lender's own caps decide the rest.

Calculator Type

Gross Monthly Income ($) *

Income before tax and deductions.

Rent or Mortgage Payment ($ per month)

Include property tax, home insurance and HOA dues if you pay them.

Car and Other Loan Payments ($ per month)

Student Loan Payments ($ per month)

Credit Card Minimum Payments ($ per month)

Child Support, Alimony and Other Debt ($ per month)

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