Debt-to-Income Ratio Calculator
Calculate your housing and total debt-to-income ratios from gross income, housing costs, and monthly debt payments.
Last updated: August 2026
Monthly housing costs
Other monthly debt payments
Targets are comparison points, not universal approval rules.
Monthly debt breakdown
| Category | Amount | Share of monthly gross income |
|---|
Comparison scenarios
DTI normally uses gross income before taxes. Enter only required recurring debt payments. Utilities, food, transportation, childcare, and ordinary living expenses are generally not part of this simplified DTI calculation. Lending rules vary and this result does not determine loan approval.