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Calculators / Finance / Debt-to-income ratio
Debt-to-income ratio calculator
Compare recurring monthly debt payments with gross monthly income.
On this page
Debt-to-income ratio27.69%
Gross income after stated debt4,700
Calculator controls
How to calculate
Compare recurring monthly debt payments with gross monthly income.
Debt-to-income ratio = debt/income*100; Gross income after stated debt = income-debt
Worked example
Monthly debt payments: 1800; Gross monthly income: 6500.
Debt-to-income ratio: 27.69 %; Gross income after stated debt: 4,700 .
Assumptions and limits
Lenders define included debts and qualifying income differently. This ratio does not measure all living expenses or loan eligibility.
Results are rounded for display; calculations use unrounded values. Read our calculation methodology.
Understanding the result
Compare recurring monthly debt payments with gross monthly income. The displayed figures use the inputs and formula shown on this page.
When this tool is useful
Use the debt-to-income ratio to compare a scenario, check an estimate, or verify a manual calculation.
Understanding your inputs
| Input | What to enter |
|---|---|
| Monthly debt payments | Enter a number of at least 0 and no more than 1000000000000. |
| Gross monthly income | Enter a number of at least 0.000001 and no more than 1000000000000. |
Frequently asked questions
What should I check before using the debt-to-income ratio result?
Lenders define included debts and qualifying income differently. This ratio does not measure all living expenses or loan eligibility.
Is this debt-to-income ratio result exact?
It is exact for the stated mathematical model and entered values. Real-world results can differ when rates, timing, fees, definitions or measurement conditions differ.