DTI Calculator — free online tool
Before a bank looks at you for a loan or a mortgage, they check one number: how much of your monthly income already goes to debt. It helps to know that number yourself, before anyone asks. We added a free tool that works it out for you — DTI Calculator — right in your browser.
What it does
You put in your monthly income and your monthly debt payments, and it gives you your debt-to-income ratio as a percent, along with a simple rating so you know whether it looks healthy or a bit high. That's it — a clear number and what it means.
Nothing leaves your device
The whole thing runs in your browser. Your income and your debts are never uploaded, never saved, and never shared. When you close the tab, the numbers are gone.
How to use it
- Open the DTI Calculator.
- Enter your monthly income and your total monthly debt payments.
- Read your ratio and rating.
It's free with no limit. There are more small tools on the Apps page.