Calculation method
Divides the entered monthly housing payment and combined housing plus other debt payments by gross monthly income. Results are shown as percentages.
Debt · General formulas
Debt-to-Income Calculator
Calculate housing and total monthly debt payments as a share of the gross monthly income you enter. Use the example values or enter your own numbers to explore an estimate.
Currency formatting only—not an exchange-rate conversion. No country-specific tax or government rules are applied.
Your results
See a clear estimate
Enter your details to see a personalized calculation, a simple projection, and the assumptions behind it.
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Calculate first to compare a snapshot or export your current results. No values are sent to our server.
The PDF includes active input values and option labels, results, sources, model assumptions, and the schedule when available. Schedule periods follow the model: years, months, or actual payments.
Up to three comparison snapshots
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Share assumptions, never dollar amounts
Links include eligible rate, term or frequency assumptions only. Dollar amounts are never included. Recipients must enter their own amounts; the link will not reproduce your full financial scenario.
Assumptions & limits
- Uses gross monthly income and only the payment amounts the user enters.
- This arithmetic ratio is not a lending decision and includes no lender-specific thresholds or definitions.
- Basis: User-entered values.
- Basis: Standard fixed-payment and time-value-of-money formulas.
Source/rule review year: Not applicable — general mathematical model.