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Mihsaba›Debt-to-Income Ratio Calculator

Debt-to-Income Ratio Calculator

Calculate housing and total debt-to-income ratios from recurring monthly payments and gross monthly income, without assuming a universal lending threshold.

How to use

Debt-to-income ratio compares recurring monthly payments with gross monthly income before tax. This calculator reports housing-only and total modeled ratios without assigning a universal lending cutoff, because underwriting standards vary by lender, product and jurisdiction.

  1. Enter gross monthly income before tax.
  2. Enter housing and other recurring monthly debt payments.
  3. Review housing ratio, total DTI and modeled payment total.

How it is calculated

DTI=total monthly debt payments÷gross monthly income×100

Example

With gross income 6000, housing 1500 and other debt 600, the housing ratio is 25% and total DTI is 35%.

Important notes

Which obligations count toward DTI can vary. Use this as a general estimate and check the exact lender definition for a real application. The result is not an approval decision or financial advice.

Frequently asked questions

Should I use net income?

The formula shown here uses gross monthly income before tax.

Is there one universal DTI limit?

No. Standards vary by lender, product and jurisdiction, so the calculator does not impose one cutoff.

Is housing included?

Housing is shown separately and is also included in the total modeled DTI here.

Is this calculator free?

Yes. It is free to use and requires no account.