Debt-to-Income Ratio Calculator

Debt-to-Income Ratio Calculator

Calculate the debt-to-income ratio (DTI) lenders use to compare recurring monthly debt payments with gross monthly income.

FAHAM JAWAABTA

Sidee tan loo xisaabiyaa?

Use required recurring debt payments and gross income before taxes. Ordinary living expenses are generally excluded, but lender definitions and limits vary.

Debt-to-income ratio formulaDTI = Monthly debt payments ÷ Gross monthly income × 100

Tusaale wax ku ool ah

Monthly debt payments of $1,800 and gross monthly income of $6,000 produce a 30% debt-to-income ratio.

Natiijada la xisaabiyey

Lacag-bixinnada deynta ee billaha ahGross monthly incomeJawaab la xisaabiyey
$1,440.00$7,500.0019.2%
$1,800.00$7,500.0024%
$2,160.00$7,500.0028.8%

Mala-awaallada, fasiraadda iyo khaladaadka caadiga ah

Mala-awaallada xisaabinta

  • Rates and recurring amounts stay constant for the period represented by the formula.
  • Inputs use the same monthly or annual time basis stated in each field label.
  • Taxes, fees and contractual rules are excluded unless the calculator explicitly asks for them.

Sida loo fasiro natiijada

  • Use the headline as a planning estimate and compare it with the detailed totals.
  • Run a baseline plus favorable and conservative scenarios before deciding.
  • Confirm important results against a lender, payroll statement, tax authority or signed contract as applicable.

Khaladaadka caadiga ah ee laga fogaado

  • Mixing annual rates with monthly amounts or entering a percentage as a decimal.
  • Leaving out fees, taxes, changing rates or timing differences that apply to the real decision.
  • Treating approval guidelines, market returns or future appreciation as guarantees.