TopToolAIDebt-to-Income Ratio Calculator
ⓘ About this tool
🔄 Last updated 25 Sep 2026
✓ Reviewed by TopToolAI Team
Debt-to-income ratio (DTI) compares your monthly debt payments to your gross monthly income. Lenders use it to judge how much more debt you can comfortably take on, particularly for mortgages.
How to use Debt-to-Income Ratio Calculator
Step-by-step guide to the boxes below. Open it only if you need help.
How to use Debt-to-Income Ratio Calculator
Step-by-step guide to the boxes below. Open it only if you need help.
-
1
Total monthly debt payments Text
Loans, credit cards, car payments, etc.
Example: 500
-
2
Gross monthly income Text
Before tax.
Example: 5000
-
3
Press “Calculate”
Click the button under the boxes. If something is missing or not valid, a short message tells you which box to fix.
-
4
Read your result
Your answer appears under the button, with a short note in plain words where it helps. Change any box and press again to compare different numbers.
Debt-to-Income Ratio Calculator FAQs
What DTI do mortgage lenders look for?
Many lenders prefer 36% or below, and most set a hard limit somewhere around 43-45%, though requirements vary by lender and loan type.
Does this count rent or a mortgage payment?
Yes, include your rent or mortgage payment as part of your monthly debt if you are checking your overall DTI.
How do I calculate debt-to-income ratio?
Total monthly debt payments ÷ gross monthly income × 100. 1,500 of debt on 5,000 income is 30%.
What is a good debt-to-income ratio?
Many lenders prefer 36% or lower, though some accept higher. The lower, the better.
User Reviews
No reviews yet — be the first to try this tool and leave one.
More Free Tools
Handy the next time you're here
Halal Stock & Crypto Shariah Screener
Tax & Financial
Halal Stock & Crypto Shariah Screener, a free, instant tool.
Prop Trading Risk & Position Size Calculator
Tax & Financial
Prop Trading Risk & Position Size Calculator, a free, instant tool.
Simple Interest Calculator
Tax & Financial
Simple Interest Calculator, a free, instant tool.
Hourly to Salary Calculator
Tax & Financial
Hourly to Salary Calculator, a free, instant tool.
Leave a review