Tools / Finance & Money / Debt-to-Income (DTI) Ratio Calculator

Debt-to-Income (DTI) Ratio Calculator

Enter your total monthly debt payments and gross monthly income to get your DTI.

Monthly debt payments ($)

Gross monthly income ($)

ⓘEstimate for general information only — not financial, tax or legal advice. Always check the official figures (GOV.UK / HMRC) or speak to a qualified adviser before making decisions.

Your debt-to-income ratio is total monthly debt payments divided by gross monthly income — the number lenders lean on most when approving mortgages and loans. Under 36% is strong; many lenders cap around 43%.

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Frequently asked questions

What is the DTI formula?

DTI = total monthly debt payments ÷ gross monthly income × 100.

What DTI do lenders want?

Often 43% or below for a qualified mortgage; under 36% is considered strong.