Free Tool
Free Debt-to-Income (DTI) Ratio Calculator
Enter your total monthly debt payments and gross monthly income to compute your DTI ratio — a key metric lenders use to evaluate loan applications.
Tool workspace
Run the tool below, then copy or reuse the cleaned output in your spreadsheet or finance workflow.
- Lenders prefer a DTI below 36%.
- Includes mortgage, loans, credit cards, and other debt payments.
- Use gross monthly income before taxes.
Output
DTI ratio: 33.3%
Assessment: Moderate
Input stays in your browser. No upload is required for these free tools.