Financial Calculators
Debt-to-Income Ratio Calculator
Calculate your debt-to-income (DTI) ratio from total monthly debt payments and gross monthly income.
DTI compares your total required monthly debt payments with your gross monthly income. This estimate is calculated privately in your browser and is for general information only.
Estimate the share of gross monthly income committed to required debt payments.
Enter your total required monthly debt payments and gross monthly income. The calculator uses DTI = monthly debt payments ÷ gross monthly income × 100. This local estimate does not determine whether you will qualify for credit: lender standards, debt definitions, income verification, loan type, fees, and your full financial circumstances can differ. It is for general information only, not financial, lending, or credit advice; your values are not uploaded or stored.
Frequently Asked Questions
Everything you need to know about this tool, how it works, and privacy.
What is the debt-to-income ratio formula?
DTI = total required monthly debt payments ÷ gross monthly income × 100. For example, $1,500 in monthly debt payments divided by $5,000 gross monthly income is a 30% DTI.
What should I include in monthly debt payments?
Use the required monthly payments you want to assess, such as housing, vehicle, student-loan, credit-card, and other loan obligations. Lenders may count debts differently, so check the requirements for the specific credit product.
What does a DTI result mean?
A lower ratio generally leaves more gross income after required debt payments, but no single percentage guarantees approval or denial. Lenders can use different thresholds and also consider income verification, credit, assets, loan type, and other obligations. This estimate is not financial, lending, or credit advice.
Do my debt and income values stay private?
Yes. The calculation runs locally in your browser. CodeASystem does not upload or store the values you enter.