Debt to Income Ratio Calculator

Enter your total monthly income (post-tax) and your monthly debt into the debt to income ratio calculator. The calculator will display the DTI ratio as a %.

Debt to Income Ratio Formula

The following formula can be used to calculate the debt to income ratio of an individual.

DTI= D/I*100

  • Where DTI is the debt to income ratio in %
  • I is monthly income
  • D is monthly recurring debt

The monthly recurring debt should be how much you pay into the debt, not your total debt.

How to calculate debt to income ratio

  1. First, find out your monthly income

    This should be your monthly income after taxes and expenses.

  2. Next, determine your monthly debt payments

    This includes anything from car loans to mortgage payments to other forms of debt.

  3. Finally, calculate the DTI

    Calculate the debt to income ratio using the debt and income determined in steps 1 & 2 and the formula above.

FAQ

What is a debt to income ratio?

A debt to income ratio is a measure of income to debt. The higher the debt to income ratio, the worse standing an individual is in.

What is a good DTI ratio?

The less the ratio the better, but in general, less than 50% is sustainable for the long term.

debt to income ratio calculator

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