Debt-to-Income Ratio Calculator
Free debt-to-income ratio calculator. Get instant results — no signup, no account. Plan and compare with confidence.
Use the Debt-to-Income Ratio Calculator below.
Calculate your debt-to-income ratio (DTI). Enter monthly debt payments and gross monthly income. Lenders often cap DTI at 43% or 50%. See if you are within limits.
كيفية استخدام Debt-to-Income Ratio Calculator
Enter monthly debt
Sum of all monthly debt payments.
Enter gross income
Gross monthly income (before tax).
View DTI
See your DTI % and lender benchmarks.
الميزات
- Instant results — no waiting or signup.
- Free to use — no hidden fees.
- No login or account required.
- Works on all devices — desktop, tablet, and mobile.
- Your data stays private — we do not store your inputs.
لماذا استخدام هذه الحاسبة
- Plan your finances with accurate estimates.
- Compare scenarios in seconds.
- Make informed decisions before you borrow or invest.
المتصفحات والأجهزة المدعومة
- All modern browsers (Chrome, Firefox, Safari, Edge).
- Mobile-friendly — use on phone or tablet.
- No app download — runs in your browser.
الأسئلة الشائعة
الدليل الكامل لـ Debt-to-Income Ratio Calculator
What is debt-to-income ratio (DTI)?
Debt-to-income ratio is your monthly debt payments divided by your gross monthly income, expressed as a percentage. Lenders use it to judge whether you can afford more debt. A lower DTI is better. Many mortgages require DTI below 43% or 50%; some programs allow higher with strong credit or reserves.
What counts as monthly debt?
- Mortgage or rent, car loans, student loans, personal loans.
- Minimum monthly payments on credit cards and other revolving debt.
- Child support, alimony, or other court-ordered payments if applicable.
- Do not include utilities, insurance, groceries, or non-debt expenses unless the lender specifically asks.
Front-end vs back-end ratio
Front-end DTI is housing cost (PITI) divided by gross income — often capped at 28–31%. Back-end DTI is all debt payments divided by gross income — often capped at 43–50%. This calculator uses back-end (all debt) DTI.
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