Debt-to-Income Calculator
Calculate your debt-to-income (DTI) ratio from gross monthly income and monthly debt payments — free online. — free, fast and private.
How to use Debt-to-Income Calculator
- Enter your gross monthly income before tax.
- Enter all your monthly debt payments combined.
- Click Calculate DTI to see your ratio and what it means.
Note: this tool runs in your browser. Nothing is uploaded.
Disclaimer: this tool gives an estimate for general information only. It is not financial advice. Talk to a qualified financial adviser before making any financial decision.
Frequently Asked Questions
What is a good debt-to-income ratio?
Below 20% is excellent, 20–35% is generally good, and up to 43% is often the maximum many mortgage lenders accept. Above 43% is considered high and can make new borrowing harder.
Is this tool free to use?
Yes, it is 100% free with no sign-up. Your data stays in your browser.
Is my data uploaded or stored?
No. This tool runs entirely in your browser — nothing you enter is uploaded to a server.
Can I use it on my phone?
Yes, it is fully mobile-friendly and works in any modern browser on phone, tablet or computer.