Debt-to-Income Calculator

List required minimum payments from your statements to calculate your debt-to-income ratio.

Income and required payments

List required minimum payments from your statements to calculate your debt-to-income ratio.

Income

Gross income before taxes — what lenders use for DTI.

$

Before taxes and payroll deductions — W-2 or offer letter amount.

Required monthly debt payments

Use statement minimums. Skip balances, rent, utilities, groceries, and subscriptions.

No required debt payments added. If you have none, your total is $0.

DTI Ratio0.0%

Debt-to-Income Ratio

0.0%

Within the common 36% planning target

$0.00/mo debts on $5,000.00/mo gross

Carry these debt payments into home affordability to see how much housing fits your income.

About $1,800.00/mo of headroom before hitting 36% total DTI (before a new mortgage). Rent and utilities are not included.

See full breakdown

Your monthly numbers

Gross Monthly Income
$5,000.00
Existing Monthly Debts
$0.00

Reference points

Common planning guidelines, not approval limits.

Room at 36%
Before adding a future housing payment
$1,800.00

36% DTI usage

Room at 43%
A higher limit with less cushion
$2,150.00

How the debt-to-income calculator works

Debt-to-income ratio compares required monthly debt payments with gross monthly income. Divide the payments by income before taxes, then multiply by 100. A $500 debt total and $5,000 gross monthly income produces a 10% ratio.

Use the required amount shown on each current statement: credit card minimums, auto loans or leases, student loans, personal loans, and other recurring obligations. Do not average purchases from a bank account or include rent, groceries, utilities, insurance, and subscriptions in this debt total.

The 36% and 43% results are reference points commonly used in home-loan planning, not promises of approval. A lender may treat deferred loans, debts ending soon, support obligations, or debts paid by someone else differently after reviewing documentation.

Frequently asked questions

Where do I find my monthly debt payments?

Check the minimum or required payment on each current loan and credit card statement. A credit report can help you remember open accounts, but use current statements for the amount due.

Do I include my credit card balance?

No. Enter the required monthly minimum payment, not the full balance and not your average monthly purchases.

Do rent and household bills count?

Not in this debt total. Rent, utilities, groceries, insurance, and subscriptions belong in a budget. A lender separately evaluates the future housing payment.

Does a ratio below 36% guarantee approval?

No. Lenders also review credit, income stability, assets, loan type, and their own underwriting rules. This calculator is a planning estimate.

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