MONEY
Debt-to-income ratio calculator
Calculate total entered monthly debt payments as a percentage of gross monthly income and compare the result with a user-selected planning ratio.
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No regional currency, unit or language profile is applied. This choice does not convert values or change formulas, results, routes or legal guidance.
Enter monthly gross income before deductions and the recurring monthly debt payments you want to include. Use one currency consistently for every amount.
Debt-to-income result
- Debt-to-income ratio
- 33.33%
- Total monthly debt payments
- 2,000
- Housing-to-income ratio
- 25%
- Income after entered debt payments
- 4,000
- Debt amount at 36%
- 2,160
- Difference from comparison amount
- 160
- Gross income needed at comparison ratio
- 5,555.56
Debt-to-income ratio is a comparison measure, not an approval prediction. Different lenders and products can include different debts and use different limits. Confirm the applicable definition with the provider.
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Verification and calculation details
- Purpose
- Debt-to-income ratio calculator
- Variables and units
- Use the labelled fields and units shown in the calculator. Results use those units unless a conversion is stated.
- Formula and method
- The exact formula and worked example are shown below. Deterministic formula executed locally in the browser.
- Assumptions
- Only entered values and stated assumptions are included. Local fees, rules and professional requirements are excluded unless explicitly shown.
- Engine version
- 1.0.0
- Production verification baseline
- Release 63 · source
998803f - Verification run
release-v63-2026-09-20- Last verified
- — Automated release checks passing
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How this calculator works
Total monthly debt is the sum of the entered housing, instalment, revolving and other debt payments. Debt-to-income percentage = total monthly debt payments divided by gross monthly income times 100.
Variables and inputs
- Gross monthly income
- Required numeric input. finite amount greater than zero; no more than 1 trillion.
- Monthly housing payment
- Required numeric input. finite amount from zero; no more than 1 trillion.
- Other instalment debt payments
- Required numeric input. finite amount from zero; no more than 1 trillion.
- Revolving debt payments
- Required numeric input. finite amount from zero; no more than 1 trillion.
- Other monthly debt payments
- Required numeric input. finite amount from zero; no more than 1 trillion.
- Comparison ratio
- Required numeric input. greater than zero percent; no more than 100 percent.
How to interpret the result
The calculator returns total monthly debt payments, debt-to-income percentage, housing-to-income percentage, income after entered debt payments, debt amount at the comparison ratio, difference from the comparison amount, gross income needed at the comparison ratio. Read each output against the assumptions you entered, compare alternatives one variable at a time, and use the result as an estimate rather than a promise.
Common mistakes to avoid
- Mixing units or entering a rate as a decimal when the field requests a percentage.
- Rounding intermediate values instead of the final displayed result.
- Leaving out a cost, timing rule or local requirement listed in the assumptions below.
Practical uses
Use the debt-to-income ratio calculator to check a real scenario, compare a changed assumption and explain the arithmetic before relying on a quote, specification or decision.
Worked example
For gross monthly income of 6,000 and monthly debt payments of 1,500 housing, 100 instalment debt and 400 revolving debt, total debt is 2,000 and the debt-to-income ratio is 33.33%. At a user-selected 36% comparison ratio, the difference is 160.
Assumptions and limitations
- gross monthly income is entered before taxes and other deductions
- every debt value represents a recurring monthly payment rather than an outstanding balance
- all monetary inputs use one consistent currency
- the user decides which obligations belong in the calculation
- does not determine which obligations a particular lender includes in its calculation
- does not predict approval, creditworthiness, affordability or a safe borrowing level
- lenders and products can use different ratio limits and income definitions
- results are informational estimates based only on the values entered
Important notes
Results are estimates based on the values entered. Confirm rates, prices, units and professional requirements that apply in your location. Review the Answer Atlas Calculation Standard and corrections policy for formula, privacy and correction rules.
Frequently asked questions
How is debt-to-income ratio calculated?
Add the monthly debt payments you choose to include, divide that total by gross monthly income, and multiply by 100 to express the result as a percentage.
Does this calculator predict loan approval?
No. It calculates a ratio only. A lender can apply different inclusion rules, limits, checks and product requirements.
Should I enter outstanding balances or monthly payments?
Enter recurring monthly payment amounts, not the total balance owed, and use gross monthly income before taxes and deductions.