Debt-to-Income (DTI) Calculator

Includes every recurring debt obligation: housing, car loans, student loans, credit card minimums, child support, and alimony. This is the ratio lenders focus on most.

Monthly and annual income are converted to the same monthly gross denominator. Housing is included once in total debt. An entered replacement housing payment replaces existing housing. Zero income leaves the ratios undefined while the debt-dollar total remains visible.

Housing allowance is the smaller of income × selected housing ratio and income × selected total-debt ratio − other qualifying debts, floored at zero. Signed remaining debt capacity is income × selected total-debt ratio − current total debt. Required income at unchanged debt is debt ÷ target ratio.

Author: Quinn Sumner - Editor

Owner: Quinn Sumner - Editorial owner

Reviewer: Calculover Editorial Review - Source and limitation review

Last reviewed: 2026-08-10

Last verified: 2026-10-22

Data effective: 2026-08-10

Monthly and annual income are converted to the same monthly gross denominator. Housing is included once in total debt. An entered replacement housing payment replaces existing housing. Zero income leaves the ratios undefined while the debt-dollar total remains visible. Housing allowance is the smaller of income × selected housing ratio and income × selected total-debt ratio − other qualifying debts, floored at zero. Signed remaining debt capacity is income × selected total-debt ratio − current total debt. Required income at unchanged debt is debt ÷ target ratio.

Assumption: Monthly and annual income are converted to the same monthly gross denominator. Housing is included once in total debt. An entered replacement housing payment replaces existing housing. Zero income leaves the ratios undefined while the debt-dollar total remains visible.

Assumption: APR, compounding, fees, payment timing, and repayment-program inputs are simplified to the fields available in the calculator.

Assumption: Student-loan, consolidation, or forgiveness results assume the user verifies plan eligibility with the servicer or Federal Student Aid.

Selected ratios are assumptions, not program eligibility or approval. Lenders and products use different limits. For adjusted student debt, enter the qualifying monthly payment supplied by the lender; the tool does not infer a universal payment from balance. Secondary income is entered as the qualifying amount without automatic gross-up. Gross income less debt excludes tax and living expenses.

Fees, variable rates, grace periods, capitalization, late payments, and prepayment rules can materially change payoff timing and total cost.

Program eligibility and DTI thresholds vary by lender, loan program, borrower profile, and current underwriting rules; verify current requirements with the lender.

Professional guidance: Debt-to-Income Ratio Calculator is for debt-planning education only and is not credit, legal, tax, or student-aid advice. Confirm loan terms, eligibility, and repayment options with the lender, servicer, or Federal Student Aid.

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