Debt-to-Income Ratio Calculator
Works out the share of your income going to debt.
Debt-to-income (all debts)
— %
Share sends a link that reopens these numbers. Copy details pastes the full breakdown as a list.
Housing only — %
Room below 36% —
Reading this —
The formula
DTI = monthly debt payments ÷ gross monthly income
It uses income before tax, and debt payments rather than balances.
What to watch out for
Everyday bills such as food and utilities do not count.
Frequently Asked Questions
What is a good debt-to-income ratio?
Below 36% is a common guide. Many lenders look harder above 43%, though rules differ by lender and country.