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Calcimator

Debt-to-Income Ratio Calculator

Calculate your debt-to-income (DTI) ratio to understand your borrowing capacity. Lenders use DTI to determine mortgage and loan eligibility.

Inputs

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$
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Results

DTI Ratio

38.33%

RatingAcceptable
Total Monthly Debt$2,300
Remaining Income$3,700

DTI Ratio

38.33%

How to Use This Calculator
  1. Start by filling in the input fields below. Results update instantly as you type, so you can experiment with different values to see how they affect the outcome.
  2. Gross Monthly Income — enter a dollar amount. Accepts values from $0 to $100,000 (default: $6,000).
  3. Mortgage / Rent — Outstanding mortgage balance. Accepts values from $0 to $20,000 (default: $1,500).
  4. Car Payment — enter a dollar amount. Accepts values from $0 to $5,000 (default: $350).
  5. Student Loans — Outstanding student loan balance. Accepts values from $0 to $5,000 (default: $300).
  6. Credit Card Minimum — Outstanding credit card balance. Accepts values from $0 to $5,000 (default: $150).
  7. Other Monthly Debt — enter a dollar amount. Accepts values from $0 to $10,000 (default: $0).
  8. Once all inputs are set, review your results in the Results panel. Here's what each output means:
  9. DTI Ratio — shown as a numeric value. This is the primary result of this calculator.
  10. Rating — your calculated result.
  11. Total Monthly Debt — shown as a dollar amount.
  12. Remaining Income — shown as a dollar amount.
  13. View the Debt Breakdown below for a visual breakdown of how the numbers relate to each other.
  14. Explore the related calculators below if you need deeper analysis or want to approach this topic from a different angle.
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