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Debt-to-Income Ratio Calculator

A debt-to-income ratio calculator divides your monthly debt payments by your gross monthly income. The result shows how much of your income goes to debt before taxes and other deductions.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Method

How this calculator works

Debt-to-income ratio (DTI) compares your monthly debt payments to your gross monthly income. Lenders use it to judge whether you can take on another payment.

DTI = (housing payment + other monthly debt payments) / gross monthly income * 100.

  • Front-end ratio: housing payment / income * 100.
  • Back-end ratio: all debt payments / income * 100.

Gross income is income before taxes and deductions. If income is 0 the ratio is undefined, so the calculator returns no value.

Different lenders apply different thresholds, so ask the lender what it requires rather than assuming a single cutoff.

Common questions

Frequently asked questions

What counts as monthly debt?
Include recurring obligations such as rent or mortgage payments, auto loans, student loans, personal loans, and minimum credit card payments.
Should I use gross or net income?
Use gross income, which is income before taxes and other deductions. Lenders generally compare debt to gross income.
What DTI do lenders look for?
Thresholds vary by lender and loan program, and other factors such as credit and savings also matter. Ask the lender what it requires.
Does a low DTI guarantee approval?
No. Lenders also review credit history, income stability, and the size of the loan. DTI is one input among several.

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