How do I calculate my debt-to-income ratio?

Divide your total monthly debt payments by your gross monthly income, then multiply by 100. For example, 1,800 in debt against 5,000 income is a DTI of 36%.

What is a good debt-to-income ratio?

A ratio of 36% or less is generally considered healthy. From 37% to 43% is caution, and above 43% is high and may concern lenders.

Should I use gross or net income?

This calculator uses gross monthly income, which is your income before tax. That matches the figure most lenders use.

What counts as monthly debt?

Include recurring debt payments such as loans, credit cards, and any mortgage or rent your lender counts. Use the total you pay each month.

Which currency does it use?

The currency follows the site language. The ratio is the same in every market because it is a percentage.

Can I share a calculation?

Yes. Use Share to copy a link that reopens the calculator with the same debt and income.

Debt-to-income ratio calculator

Enter your total monthly debt payments and your gross monthly income. The calculator shows your debt-to-income ratio and its risk band as you type.

Divide your monthly debt payments by your gross monthly income and multiply by 100 to get your debt-to-income ratio as a percentage.

Monthly debt payments

USD

Gross monthly income

USD

Debt-to-income ratio

36%

Healthy

The result updates as you type. The colored gauge marks your ratio against the healthy, caution, and high bands.

How does it work?

A lower ratio means more of your income is free after debt payments.

Debt-to-income ratio formula

\text{DTI} = \frac{\text{monthly debt}}{\text{monthly income}} \times 100

monthly debt: Total of your monthly debt payments.
monthly income: Your gross monthly income.

1,800 in debt against 5,000 income is a DTI of 36%.

Method & sources

Monthly debt is the total of your recurring debt payments; monthly income is your gross monthly income before tax. Risk bands follow common lender guidance: 36% or less is healthy, 37–43% is caution, and above 43% is high. The currency shown follows the site language; the ratio math is the same in every market.

Sources

Where this method comes from — use these references to understand the formula, assumptions, and limits.

What is a debt-to-income ratio? — U.S. Consumer Financial Protection Bureau, verified 2026-06-10

How we calculate

Monthly debt is the total of your recurring debt payments; monthly income is your gross monthly income before tax.
Risk bands follow common lender guidance: 36% or less is healthy, 37–43% is caution, and above 43% is high.
The currency shown follows the site language; the ratio math is the same in every market.

Rounding

The ratio is rounded to one decimal for display. The calculation itself uses full precision.

What this calculator does

Your debt-to-income (DTI) ratio compares how much you pay toward debt each month with how much you earn. This calculator divides your monthly debt payments by your gross monthly income and shows the result as a percentage, along with the risk band lenders typically use.

How to use it

Enter your total monthly debt payments.
Enter your gross monthly income.
Read your debt-to-income ratio and its risk band below.

A worked example

If you pay 1,800 toward debt each month and earn 5,000, your DTI is 1,800 / 5,000 × 100 = 36%, which sits at the top of the healthy band.

What the bands mean

36% or less: healthy. Lenders usually see this as comfortable.
37–43%: caution. Manageable, but there is less room for new borrowing.
Above 43%: high. Many lenders treat this as a warning sign.

When it's useful

Checking your finances before applying for a loan or mortgage, planning a budget, or deciding whether to take on new debt.

FAQ

How do I calculate my debt-to-income ratio?: Divide your total monthly debt payments by your gross monthly income, then multiply by 100. For example, 1,800 in debt against 5,000 income is a DTI of 36%.
What is a good debt-to-income ratio?: A ratio of 36% or less is generally considered healthy. From 37% to 43% is caution, and above 43% is high and may concern lenders.
Should I use gross or net income?: This calculator uses gross monthly income, which is your income before tax. That matches the figure most lenders use.
What counts as monthly debt?: Include recurring debt payments such as loans, credit cards, and any mortgage or rent your lender counts. Use the total you pay each month.
Which currency does it use?: The currency follows the site language. The ratio is the same in every market because it is a percentage.
Can I share a calculation?: Yes. Use Share to copy a link that reopens the calculator with the same debt and income.

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