Calculator
Debt-to-Income Calculator
Debt-to-income ratio, or DTI, compares monthly debt payments with gross monthly income. It can help screen affordability, but it does not guarantee lender approval or denial.
Estimate your debt-to-income ratio
Enter recurring monthly debt payments and gross monthly income. This is an educational estimate, not a lender decision.
How to use DTI
Enter recurring monthly debt payments and gross monthly income. The result is an estimate that can help you think about affordability before requesting additional debt.
Limitations
DTI does not include every expense and lender rules vary. Essential living costs, credit history, income stability, and state availability may also matter.
| Monthly debt payments | Gross monthly income | Estimated DTI |
|---|---|---|
| $900 | $4,000 | 22.5% |
| $1,500 | $4,000 | 37.5% |
| $2,000 | $4,000 | 50.0% |
Methodology and limitations
DTI is calculated as monthly debt payments divided by gross monthly income, multiplied by 100. The calculator rounds to one decimal place.
ConsumerNetwork.Group is not a lender, does not make credit decisions, and cannot guarantee approval, funding, loan amounts, rates, or terms. Any loan terms are provided by the lender or partner you choose to continue with.
Sources and references
Related resources
Use DTI as one affordability screen before starting a secure request.
Continue to secure request