Debt-to-Income Ratio Calculator
Estimate monthly debt-to-income ratio.
Debt-to-income ratio—
Educational estimate only. Actual lender, issuer, tax, insurance, account, and market calculations may differ.
Debt and mortgage planning
Debt-to-Income Ratio Calculator
Last reviewed: July 18, 2026
DTI compares required monthly debt payments with gross monthly income. Lenders may calculate it differently, so use this as an educational estimate.
What counts as debt?
Common examples include minimum credit-card payments, auto loans, student loans, personal loans, alimony or support obligations, and the proposed housing payment when evaluating a mortgage.
This tool is not a lending decision or preapproval.