SuCalc
Consumer Finance

Debt-to-Income Ratio Calculator

Updated Aug 21, 2026 Reviewed Aug 21, 2026
Calculate housing-payment and total debt-to-income ratios from gross monthly income and recurring monthly obligations.

Monthly debt pressure

Enter gross income and recurring obligations

Income before taxes and payroll deductions.

Turn this off for a scenario where housing is displayed separately but not treated as included debt.

Financial details stay out of the URL
Sharing sends the page and the summary you explicitly choose, not the entered income and debt fields.

Result

Calculation summary

Enter values to see the result

Your result, breakdown, assumptions, and warnings will appear here.

Debt allocation preview

Included monthly debt versus income

Live preview
Included monthly debt versus incomeA ring chart comparing included monthly debt payments with gross monthly income.Total DTI38.3%Included housing payment25%Other recurring debt13.3%Income after included debt61.7%Gross monthly income$6,000.00Included monthly debt$2,300.00Income after included debt$3,700.00
The ring shows included housing, other recurring debt, and gross income remaining after those modeled obligations.

How to use this calculator

  1. 1Enter gross monthly income before taxes and deductions.
  2. 2Add monthly housing and recurring debt payments, and choose whether housing is included in total DTI.
  3. 3Calculate to compare the housing-payment ratio with the modeled total debt-to-income ratio.

Formula

DTI = included monthly debt payments ÷ gross monthly income × 100

Housing burden is also shown separately as the entered housing payment divided by gross monthly income.

Calculation steps

  • Add the recurring non-housing debt payments.
  • Include or exclude the entered housing payment according to the planning scenario.
  • Divide the included monthly debt total by gross monthly income.
  • Calculate the separate housing-payment ratio.
  • Show the income remaining after the included debt payments without making an approval decision.

Worked example

With 6,000 in gross monthly income, 1,500 housing, and 800 in other recurring monthly debt, total modeled DTI is about 38.3% when housing is included.

Assumptions

  • Income is gross monthly income before taxes and deductions.
  • Only recurring monthly obligations entered by the user are included.
  • Lenders and products may define income, obligations, and acceptable limits differently.
  • The calculator is a planning benchmark, not a credit or underwriting decision.

Sources

Frequently asked questions

Why does this use gross rather than take-home income?

DTI is commonly expressed using income before taxes and other payroll deductions.

Should rent be included?

That depends on the scenario and how the user or lender defines the ratio. The calculator provides an explicit include-housing control.

Does a particular ratio guarantee approval?

No. Limits and underwriting methods differ by lender, product, borrower, and jurisdiction.

Are my income and debt amounts placed in the share URL?

No. This calculator keeps entered financial details out of the URL by default.

Related calculators

Mortgage Calculator
Estimate fixed-rate principal and interest plus property tax, insurance, mortgage insurance, association dues, and extra principal.
Auto Loan Calculator
Estimate amount financed, monthly payment, interest, tax, fees, trade-in equity, and the effect of extra auto-loan payments.
Monthly Budget Calculator
Normalize recurring income and expenses into a monthly budget, then estimate cash-flow surplus, savings rate, debt-payment ratio, and annual balance.