Debt-to-Income (DTI) Ratio Calculator

What this tool does

Lenders look at this ratio more than almost anything else, because it measures how much of each month's income is already promised to someone else. Each lender and regulator sets its own limit and its own definition of income — gross or net — so enter income on the same basis as the limit you are comparing with. Include every regular repayment: mortgage or rent if the lender counts it, car finance, personal loans, minimum card payments and leases.

Formula

DTI = monthly debt payments ÷ monthly income × 100

Variables

Worked example

Limitations

• This is an informational calculator, not personalised financial advice. Rates, fees, taxes and contract conditions vary between institutions and countries.
• The tool works with whatever currency you use for the inputs; it does not convert between currencies.