Debt to Income Ratio Calculator

The Debt to Income Ratio Calculator estimates your monthly debt-to-income ratio (DTI). Enter your monthly income and monthly debt payments. The calculator displays your total DTI, front-end (housing) DTI, total income, and total debt, along with step-by-step instructions.

Income (per month)

Salary & Earned Income

Gross monthly pay from salary, wages, bonuses, commissions.

Pension & Social Security

Monthly pension, Social Security, or similar retirement benefits.

Investment & Savings

Regular monthly income from investments or savings (interest, dividends).

Other Income

Any other gross monthly income (alimony received, side gigs, etc.).

Housing (per month)

Rental Cost

Monthly rent. If you rent, enter this and leave mortgage‑related fields empty.

Mortgage

Monthly principal & interest payment (for homeowners).

Property Tax

Monthly share of property taxes (or escrow amount).

HOA Fees

Monthly homeowner association dues, if any.

Homeowner Insurance

Monthly homeowner insurance premium (or escrow amount).

Other Debts (per month)

Credit Cards

Minimum monthly credit card payments.

Student Loan

Monthly student loan payment.

Auto Loan

Monthly car loan or lease payment.

Other Loans and Liabilities

Any other recurring monthly debt payments (personal loans, alimony paid, etc.).

Actions

Output

Debt to Income (DTI) Ratio:

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Front‑End DTI Ratio:

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Total Income:

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Total Debt:

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