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Debt-to-Income Ratio Calculator

Compare monthly debt obligations with gross income.

Tool inputs stay in your browser · optional AI search sends your query

Good to know: Monthly debt payments ÷ gross monthly income ×100. Include housing debt if appropriate to your comparison. This is a ratio, not lending approval or a lender-specific eligibility rule.

How to use it (step by step)

  1. 1Fill in the boxes: “Monthly debt payments”, “Gross monthly income”. Example numbers are already there so you can see how it works; replace them with yours.
  2. 2The result updates instantly as you type (on a phone it is below the boxes).
  3. 3The bold line is the main answer. Tap Copy next to any value to copy it.

Words to know

Gross vs net
Gross = the full amount before deductions. Net = what is left after fees, taxes or deductions.
Fraction / ratio
A fraction is a part of a whole (3/4 = three of four parts). A ratio compares two amounts (2:1 = twice as much).

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