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.
Use statement minimums. Skip balances, rent, utilities, groceries, and subscriptions.
No required debt payments added. If you have none, your total is $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.
Your monthly numbers
Reference points
Common planning guidelines, not approval limits.
36% DTI usage
Your monthly numbers
Reference points
Common planning guidelines, not approval limits.
36% DTI usage
Enter gross income before taxes, monthly or annual, and the required monthly payment from each current credit-card or loan statement. For a card, use its minimum payment, not its balance or new purchases. Do not put rent, groceries, utilities, insurance, or subscriptions in the debt-payment total.
The debt-to-income ratio divides total required monthly debt payments by gross monthly income and expresses the result as a percentage. If income is annual, the calculator first divides it by 12. It also shows remaining debt-payment room at 36% and 43% planning comparisons.
Read the ratio as the share of gross monthly income already committed to required debt payments. The 36% and 43% figures show comparisons within this tool, not lender approval thresholds. A lender may count some obligations differently and review credit, assets, and income separately.
The comparison assumes your listed debts are the payments a lender would count. It does not account for variable income or debts omitted from your entries.