DTI Calculator
Check debt load against gross monthly income.
Calculator Input
Result
- DTI Ratio
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- Monthly Debt Payment
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- Gross Monthly Income
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How to Use This DTI Calculator Effectively
The DTI calculator compares monthly debt payments with income so you can understand payment pressure before applying for a new loan. It is a readiness check, not an approval guarantee.
Enter verified monthly income, existing recurring debt, and any projected new payment. For a home purchase, estimate the mortgage payment in the Mortgage Calculator first, then bring that payment back here. For installment debt, use the Loan Calculator to avoid guessing.
DTI is only one part of underwriting. Credit history, collateral, documentation, assets, product rules, and lender policies can all affect the final decision.
FAQ
Does a low DTI guarantee approval?
No. It improves the picture, but lenders review many other factors.
Should I use gross or net income?
Use the income basis requested by the lender or the one that matches your planning standard.
What debts should I include?
Include recurring monthly debt obligations such as loan, card, mortgage, and required installment payments.