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.
Free to use
No sign-up required
Device saving only when requested
FREE TOOLS · NO ACCOUNT
Compare, keep and export
Calculate first to compare a snapshot or export your current results. No values are sent to our server.
PDF downloads contain inputs, results, sources and the available annual schedule. Use Print for the on-screen charts. Monthly ledgers are not available for every model.
Up to three comparison snapshots
Optional device-only storage
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.
Tax or legal rule year: Not applicable — no country-specific rules are used.