Debt-to-Income Ratio Calculator

Debt-to-Income Ratio Calculator divides your total recurring monthly debt payments by your gross monthly income to give a DTI percentage. It also shows total monthly debt and income remaining before other expenses. It does not assess loan eligibility or judge a ratio as good or bad. Educational estimate only — not financial advice.

DTI is a common way to describe how much of your income goes to debt payments. Calculating it from your own figures, with each debt listed, makes the number easy to understand and check.

1. Choose a currency symbol (display only).
2. Enter your gross monthly income before tax.
3. Enter each monthly debt payment, adding rows as needed; names are optional.
4. Press Calculate DTI.
5. Review the ratio and breakdown, then copy or download the summary.

• DTI = total monthly debt ÷ gross monthly income × 100
• Editable debt rows: add, remove and reorder
• Each debt shown as a share of income
• Remaining income before other expenses, including negative values
• Neutral wording with no eligibility or good/bad judgement
• Summary includes rows, totals, formula and disclaimer

• Use gross (before-tax) monthly income.
• Include minimum required payments, not extra payments you choose to make.
• Check which payments the organisation you are dealing with counts.
• Recalculate when a debt is paid off or a new one starts.