Debt-to-Income Calculator
Calculate your debt-to-income (DTI) ratio — a key number lenders use to approve loans.
Inputs explained
- Total Monthly Debts — All your monthly debt payments combined. Example: 1500.
- Gross Monthly Income — Your monthly income before taxes. Example: 5000.
How to use it
- Fill in the fields above — each input has a hint describing exactly what to enter
- Press Calculate to get your result instantly, right on this page
- Copy the result, save the tool to favorites, or share and embed it anywhere
Understanding the result
Example: $1,500 of debt on $5,000 income is a 30% DTI (lenders prefer under 36%).
Frequently asked questions
Is the Debt-to-Income Calculator free to use? Yes — it is completely free, with no sign-up, no download and no usage limits. You can use it as often as you need.
Is my data private? Yes. The calculation runs entirely in your browser — the values you enter are never sent to our servers, stored or shared with anyone.
What information do I need? Just the following: Total Monthly Debts, Gross Monthly Income. Each field includes a hint explaining exactly what to enter.
Can I use it on my phone? Yes — the tool is fully responsive and works on any device, and the same calculator is available in the EasyWorkCalcs mobile app.
Privacy
Everything you enter into the Debt-to-Income Calculator is processed entirely in your browser. Nothing is uploaded, stored or shared — your data stays on your device.