Debt-to-Income Ratio Calculator

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Your debt-to-income (DTI) ratio and credit history are two important financial health factors lenders consider when determining if they will lend you money.

To calculate your estimated DTI ratio, simply enter your current income and payments. We’ll help you understand what it means for you.

Please note this calculator is for educational purposes only and is not a denial or approval of credit. The accuracy of the DTI calculation is based on the accuracy and completeness of the information provided by you.

Income and debt

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Don't include living expenses such as utility bills, food, and entertainment for more accurate results.

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Itemize My Debt

Debt-to-Income (DTI) ratio

Your DTI ratio compares how much you owe with how much you earn in a given month. It typically includes monthly debt payments such as rent, mortgage, credit cards, car payments, and other debt.

Annual income before taxes

Include any pre-tax and non-taxable income that you want considered in the results.

Total monthly debt payments

Monthly debt payments are any payments you make to pay back a creditor or lender for money you borrowed. Rent is also considered a monthly debt payment.

Other monthly debt payment

Include alimony, child support, or any other payment obligations that qualify as debt.