METHODCalculation, assumptions and sources
Formula used
DTI = monthly debt payments / gross monthly income × 100
What is included
Compare monthly debt payments with gross income and separate housing costs from other obligations.
Assumptions and limits
Rates, prices and income remain constant in the model. Fees, taxes, rounding and contract rules can change actual outcomes.
Reference sources
Investor.gov financial calculators · Consumer Financial Protection Bureau
Last reviewed: September 2026Debt-to-Income Calculator
Compare monthly debt payments with gross income and separate housing costs from other obligations.
Enter the required values or content, adjust the options and then review the detailed result.
FAQFrequently asked questions
What can I do with Debt-to-Income Calculator?
Compare monthly debt payments with gross income and separate housing costs from other obligations.
How do I use Debt-to-Income Calculator?
Enter the required values or content, adjust the options and then review the detailed result.
Are my data uploaded?
No. Inputs and files for this tool are processed locally in your browser.
Is this tool free?
Yes. Every feature is free and requires no registration.
Does it work on mobile?
Yes. The interface is optimized for iPhone, Android, tablets and desktop computers.