Good DTI
Total Monthly Debt Payments ($): 1,000; Gross Monthly Income ($): 5,000
Debt-to-Income Ratio (%): 20 %; Ratio Assessment: Generally considered good
Debt-to-Income Ratio Calculator
Finance0.0(0)
Calculate your debt-to-income (DTI) ratio to assess your financial health. This ratio compares your monthly debt payments to your gross monthly income.
More tools:Finance Calculators
How To Use
How to use this calculator
Start with your values, or try a preset.
Step 1
Enter Total Monthly Debt Payments ($) and Gross Monthly Income ($) in the units shown.
Step 2
Read Debt-to-Income Ratio (%) and Ratio Assessment in the results panel. Results update as you change the inputs.
Step 3
Choose a preset to load an example, then adjust the values for your situation.
Worked Examples
Example calculations
See the inputs and their calculated results.
Acceptable DTI
Total Monthly Debt Payments ($): 2,500; Gross Monthly Income ($): 6,000
Debt-to-Income Ratio (%): 41.67 %; Ratio Assessment: Generally considered good
High DTI
Total Monthly Debt Payments ($): 3,000; Gross Monthly Income ($): 5,000
Debt-to-Income Ratio (%): 60 %; Ratio Assessment: High, may indicate financial strain
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Important
Treat this output as a planning estimate and confirm rates, tax rules, and contract terms before making financial decisions.