Free financial calculator guide
Debt-to-Income Ratio Calculator (DTI)
Calculate the share of gross monthly income used for debt payments.
Use the free Debt-to-Income Calculator
Open the working calculator on the MoneyWise Tools homepage. It does not require a Premium subscription.
Open Debt-to-Income Calculator →Why this calculation matters
Debt-to-income ratio (DTI) measures monthly debt payments relative to gross monthly income. Lenders may use it when evaluating applications.
How to use the calculator
Enter your gross monthly income and recurring monthly debt payments.
What to keep in mind
DTI does not capture every living expense, and different lenders may calculate qualifying debts differently.
The interactive calculator is on our main calculator page. Use the button above to jump directly to it; the guide here explains the inputs and how to interpret your estimate.
Explore more free tools
Educational estimates only; not personalized financial, tax or investment advice. Read our disclaimer.