Money

Debt-to-Income Ratio Calculator

Calculate the share of gross monthly income used for debt payments.

MyToolPantry.comDebt-to-Income Ratio Calculator

Debt-to-Income Ratio Calculator result

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Gross monthly income ($)Monthly housing payment ($)

DebtRequired monthly payment ($)

Housing-only ratio25%Total debt-to-income ratio35.83%Housing payment$1,500.00Other monthly debt$650.00Total listed monthly obligations$2,150.00

Housing-only ratio = housing payment ÷ gross monthly income. Total DTI = (housing + recurring monthly debt payments) ÷ gross monthly income. Gross income is before taxes and this result is not disposable income, an approval decision, or a universal lending threshold. Lenders may count obligations differently.

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How this tool works

Housing-only DTI divides housing by gross monthly income; total DTI divides housing plus entered recurring monthly debts by that same gross income.

Limits to know

The ratio depends on which debts and income a lender recognizes and whether gross or net income is required. It is not an approval threshold or lending decision.