Ratio Calculator

Calculate Your DTI Today!

Use our Debt-to-Income (DTI) Ratio Calculator to quickly assess your debt burden relative to your income. Understanding your DTI is crucial for making informed financial decisions and achieving your goals. Sign up to receive personalized insights and tips on improving your financial health with FINCALC.

Debt-to-Income Calculator

Calculate your debt-to-income ratio

Estimate how much of your gross monthly income goes toward monthly debt payments, including housing, auto loans, credit cards, student loans, personal loans, and support obligations.

This calculator is for educational estimates only. Lenders may calculate DTI differently depending on loan type, credit profile, verified income, and underwriting rules.

Income & Monthly Debts

Gross Monthly Income
Use gross income before taxes, benefits, retirement contributions, and other deductions.
Housing Payment
Other Monthly Debt Payments
Total Debt-to-Income Ratio
0%
Your back-end DTI compares total monthly debt payments to gross monthly income.
Housing Ratio
0%
Monthly Income
$0
Total Monthly Debt
$0
Debt Capacity at 36%
$0
Enter your income and monthly debt payments to estimate your debt-to-income ratio.
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DTI Summary

Debt Breakdown

Mortgage Readiness Guide

How to Improve Your DTI

DTI generally includes recurring debt payments such as mortgage/rent, auto loans, student loans, credit card minimum payments, personal loans, and court-ordered support. It usually does not include groceries, utilities, streaming services, phone bills, or discretionary spending.