Debt-to-Income Calculator

Measure debt-to-income ratio and compare obligations against a common 36% benchmark.

This calculator is part of the debt payoff calculators hub cluster and supports scenario-based planning across adjacent entities.

Debt-to-income ratio

30%

Risk band

Manageable

Debt cap at 36% DTI

$1,800.00

Insights

Generate a concise interpretation of your inputs and outputs. This is educational and hypothetical.

When This Calculator Can Mislead

Results can be misleading when assumptions are overly optimistic or inputs are inconsistent with real cash flow constraints.

Always test conservative and base-case assumptions and compare against related tools for contextual validation.

Contextual Links

What It Is

The debt-to-income calculator measures how much of your gross monthly income goes to debt obligations.

Lenders often use DTI as a screening metric in mortgage, auto, and personal loan underwriting.

How It Works

The calculator divides total monthly debt payments by gross monthly income and converts the result to a percentage.

It also compares your debt load to a common 36% benchmark.

Formula

DTI % = monthly debt payments / gross monthly income x 100.

Debt cap at 36% = gross monthly income x 0.36.

Example

If gross monthly income is $5,000 and debt payments are $1,500, DTI is 30%.

A lower DTI generally gives more flexibility for future borrowing and cash-flow resilience.

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Explore parent context in the debt payoff calculators hub (Debt Hub).

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Frequently Asked Questions

Should I include rent in DTI?

Standard DTI for lending usually focuses on recurring debt obligations, not rent, but conventions vary by lender.

What is considered a high DTI?

Above 36% is commonly viewed as elevated, and above 43% can be challenging for many lending programs.

Can this replace lender qualification checks?

No. It is a planning estimate; actual underwriting includes credit profile and program-specific rules.

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