Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio from gross monthly income and monthly debt payments, and see which lending band you fall into.
Last updated · View algorithm, constants and default inputs (JSON)
About this calculator
Debt-to-income ratio is monthly debt payments divided by gross monthly income. The 36% amount is a reference scenario only; lenders and loan products use different criteria, and this calculator does not determine eligibility.
Choose the calculation that matches your task
Enter total monthly debt payments and gross monthly income here for the combined ratio. If you need to distinguish housing costs from other debts and see a housing-only ratio, use the split-input DTI tool. A reference percentage does not determine eligibility or a safe borrowing limit.
Worked example
calculated with the default values below
Gross monthly income 5,000 $ · Monthly debt payments 1,500 $ Debt-to-income ratio 30.0 % · Monthly payment at 36% reference DTI (USD) 1,800.00 $ Healthy
General background references
Disclaimer
These calculators give estimates for general information only. They are not financial, tax or investment advice and do not take your personal circumstances into account. Before borrowing, investing or filing, confirm the numbers with a qualified adviser in your jurisdiction.
Implementation source
This record describes the implementation used by this page. It is not independent validation. External references, when available, support only the stated formula or definition; estimates and custom rules retain their own assumptions.
Formula and variables
DTI = 100D ÷ I; D_max = 0.36 I
- I
- Monthly income
- D
- Monthly debt payments
- DTI
- Debt-to-income (%)
- D_max
- Max debt at 36%
DTI = monthly debt ÷ gross monthly income; the displayed 36% amount is a reference scenario, not a lender rule.
Frequently asked questions
How does this tool calculate the 36% debt threshold?
It divides entered monthly debt by gross monthly income for the current ratio, and uses 36% of gross income as its modeled allowed monthly debt. At $5,000 income, that threshold is $1,800. The 36% figure is a calculator assumption, not a universal lending rule or eligibility decision.