Calculate your debt-to-income ratio and see how much of your monthly income goes toward debt payments.
FREE, ACCESSIBLE DEBT-TO-INCOME CALCULATOR
See what share of your income goes to debt
Your debt-to-income ratio, often called DTI, compares your monthly debt payments with your monthly income. Lenders may consider it when reviewing an application, and it can also help you understand how much room debt takes up in your budget.
What you’ll need
- Monthly income
- Total monthly debt payments
Helpful tip: Use monthly figures for both fields. Include recurring debt payments so the comparison is consistent.
Calculate your debt-to-income ratio
Enter your information below, then choose Calculate. After you review the result, refresh this page if you want to try another scenario.
Your DTI is one part of the picture
Knowing the ratio is helpful. Knowing how credit, debt, saving, taxes, benefits, employment, and investing fit together is even better. Take our free money quiz for a broader checkup.
It takes about 15 minutes and includes 32 practical questions. We’ll email a personalized summary and course suggestions. The quiz works with a keyboard and screen reader.
Good to know: This calculator is educational. Lenders may calculate income and debt differently and may consider additional information.