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

**First, find out your monthly income**This should be your monthly income after taxes and expenses.

**Next, determine your monthly debt payments**This includes anything from car loans to mortgage payments to other forms of debt.

**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.

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