Debt-to-Income Ratio Calculator

Your debt to income ratio is your total monthly debt payments divided by your gross monthly income. Lenders use it to judge how much room you have. Use gross income, before taxes and deductions.

This calculator is provided for informational and educational purposes only. The results are hypothetical, are based solely on the figures you enter and the assumptions stated on this page, and do not account for taxes, fees, or your individual circumstances unless specifically noted. They are not a projection or a guarantee of future results, and they are not tax, legal, or accounting advice. Nothing on this page is an offer or a solicitation to buy any product. Please consult a qualified tax or legal professional about your situation. Nothing you enter is transmitted or stored. All figures remain in your browser and are cleared when you close this page. Lender standards vary by loan type and by institution, and many consider factors beyond this ratio, including credit history, assets, and employment. The thresholds described here are general guidelines only, not lending criteria.