Debt-to-income (DTI) calculator

Enter your total monthly debt payments and gross monthly income to see your debt-to-income ratio, how much income is left after debts and a lender-style rating. Nothing is uploaded.

Total monthly debt payments

Gross monthly income

Currency symbol

—Debt-to-income ratio

—Income left after debts

—Rating

Everything runs in your browser. No upload, no sign-up.

How it works

STEP 1

Enter your debts

Add up your fixed monthly debt payments — loans, credit cards, mortgage or rent.

STEP 2

Enter your income

Type your gross monthly income, before tax. The DTI ratio updates instantly.

STEP 3

Read the rating

See if your ratio is healthy, manageable or high — the way lenders judge it. All private.