Debt-to-Income Calculator

This debt-to-income calculator shows how much of your gross monthly income is already committed to debt payments and how much room remains before you cross your target ceiling.

It is useful before applying for a mortgage, personal loan, auto loan, or refinance because the ratio helps frame affordability and underwriting risk quickly.

The best use of the tool is not just to see the current ratio, but to compare your current position with the ratio you would carry after adding the next payment.

Enter gross monthly income first, then add your current housing payment and other required debt payments.

Set the target DTI ceiling you want to stay under, then use Advanced options if you want to test a proposed new monthly payment.

Read current DTI and projected DTI together so you can see whether the new loan still leaves breathing room.

Debt-to-income ratio equals required monthly debt payments divided by gross monthly income.

Projected ratio adds the proposed new monthly payment on top of the current required debt load.

Remaining monthly debt capacity shows how much more required debt payment fits under the selected ceiling before you cross it.

A borrower earning 6,200 per month with 2,100 of existing debt payments is already using a meaningful share of gross income before adding anything new.

If the next proposed payment pushes the projected ratio near the target ceiling, the monthly payment may still be technically possible but financially tight.

Current DTI shows your starting position. Projected DTI shows whether the next loan or housing payment pushes the structure into a riskier range.

Remaining monthly debt capacity is often the most practical output because it frames how much space is left before the target ceiling is breached.