Tool
Debt-to-income (DTI) ratio calculator
Your monthly debt payments as a share of gross monthly income — the ratio lenders commonly reference — with the conventional levels marked. Nothing you type is stored or sent anywhere.
Rent or mortgage, car, cards (minimums), student loans, other loans.
Your ratio is below 28%. The marks are levels lenders commonly reference (28% housing-cost convention, 36% total-debt convention, 43% a common qualified-mortgage limit, 50% a frequent ceiling) — facts about industry practice, not a judgment of your finances.
About these numbers
- Educational estimate — not lending or financial advice. The marked levels are commonly referenced industry conventions; each lender sets its own criteria.
- Use gross (pre-tax) monthly income and the monthly minimums on all debts — that's how lenders typically compute DTI.
Keep it updated automatically
Forth Arc puts your accounts, liabilities, and goals on one live balance sheet — with the same math engines behind this calculator — free.
Create a free accountHow DTI is calculated
Debt-to-income divides total monthly debt obligations by gross (pre-tax) monthly income. Lenders use it to gauge how much of your income is already committed; different loan programs reference different levels, which is why this page marks several conventions rather than one number.
Is my data stored?
No. Nothing you type is sent to or stored on our servers.
Common questions
What counts as a monthly debt payment?
Lenders typically include housing payments (rent or mortgage), auto and student loan payments, minimum credit-card payments, and other loan obligations. Utilities, groceries, and subscriptions are usually not counted as debt payments in a DTI calculation.
Is DTI based on gross or net income?
Gross (pre-tax) income. Lending guidelines are written against gross income, so this calculator uses the same convention to keep the number comparable.
What do the 28%, 36%, 43%, and 50% marks mean?
They are levels referenced by common lending conventions — for example, 28% appears in the classic housing-ratio guideline and 43% in qualified-mortgage rules. They are marked here as factual reference points, not a judgment of your situation.