Calcs4All

APR 23 · 2026

DTI calculator

Calculate debt-to-income ratio from monthly debt and gross income.

What this calculator covers

Calculate debt-to-income ratio from gross monthly income and recurring monthly debt payments.

The walkthrough keeps the ratio math visible so the debt load is easy to understand before borrowing decisions.

Frequently asked questions

What is a good debt-to-income ratio?
Under 36% is generally considered healthy. Most mortgage lenders want a total DTI of 43% or lower, and some programs allow up to 50% with compensating factors. The lower your DTI, the more room you have for new debt.
What counts as debt in DTI?
Fixed monthly debt payments: mortgage or rent, car loans, student loans, minimum credit-card payments, child support, and alimony. Utilities, groceries, and other non-fixed bills do not count.
What's the difference between front-end and back-end DTI?
Front-end DTI looks only at housing costs as a share of income. Back-end DTI includes all recurring debt payments. Lenders typically focus on back-end DTI but also track front-end DTI against their housing-cost guidelines.
How do I lower my DTI?
Pay down high-minimum-payment debts first (especially credit cards), increase gross income, or refinance existing debt to reduce monthly payments. Reducing DTI is one of the most direct ways to improve mortgage affordability.

Tool

Run the calculation

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RESULT · DTI

â„–031

Primary result

20%

$1,800.00 in monthly debt against $9,000.00 of gross monthly income is a 20% DTI ratio, which falls in the healthy range.

DTI ratio
20%
Interpretation
healthy

Step-by-step solution

  1. 1.Divide monthly debt by gross monthly income: $1,800.00 ÷ $9,000.00 = 0.2.
  2. 2.Convert the ratio to a percent: 20%.
  3. 3.Compare that result against the interpretation bands to classify it as healthy.

Walkthrough

Visual walkthrough

Debt-to-income compares recurring debt payments to gross income so you can see how much of monthly income is already committed before housing and other needs.

  1. 01

    Line up debt and income

    $1,800.00 ÷ $9,000.00

    Monthly debt goes in the numerator and gross income stays in the denominator.

  2. 02

    Convert the ratio to a percent

    Turning the ratio into a percent makes it easy to compare against underwriting-style bands.

    20% DTI

  3. 03

    Read the interpretation band

    The category helps show whether the debt load looks healthy, needs watching, or is stretched.

    healthy range