Debt-to-Income Ratio Calculator

Gross Monthly Income, by a wide margin — its ±10% span moves the DTI Ratio by about 20%, versus about 13% for Mortgage / Rent, the largest single debt line item, and only 1-3% each for Car Payment, Student Loans, and Credit Card Minimum. Income is the ratio's sole denominator, while every debt field is just one of five additive numerator terms.

At the calculator's own default inputs — $6,000 income against $2,300 in combined monthly debt payments — the DTI Ratio computes to 38.33%, which lands in the "Acceptable" band (lines 16-20 place anything from just above 36% up to 43% there), one bracket below "Good" and two below "Excellent."

No — despite their helper text calling them an "outstanding balance," the Mortgage / Rent, Student Loans, and Credit Card Minimum fields are all added directly into Total Monthly Debt exactly like Car Payment and Other Monthly Debt (line 11). The engine never converts a balance figure into an estimated monthly payment; whatever number you type is treated as that month's payment.

Remaining Income is simply Gross Monthly Income minus Total Monthly Debt (line 13). At the calculator's own default of $0 Other Monthly Debt, it responds most to income — Gross Monthly Income's ±10% span moves it by about 32%, more than three times Mortgage / Rent's roughly 8% effect. But every debt field subtracts from Remaining Income with the exact same -1 coefficient that Gross Monthly Income adds with (line 13), so this ranking is really just about which field currently holds the biggest dollar value, not about income having some special pull on the result — enter a large Other Monthly Debt figure (the field allows up to $10,000, more than Gross Monthly Income's own $6,000 default) and Other Monthly Debt's swing outweighs Gross Monthly Income's instead.