Income to Debt Calculator
Work out your debt-to-income ratio in seconds. Enter your gross monthly income, housing cost, and loan payments to see the housing and total DTI percentages lenders check.
Monthly income
Before tax and deductions
Bonus, rental, freelance, benefits
Housing cost
Principal and interest only
Split monthly if you pay yearly
Other monthly debt payments
Enter the required monthly payment, not the balance you owe. Leave living costs such as groceries, utilities, and subscriptions out.
36% is comfortable, 43% is the usual mortgage ceiling, 50% is the outer limit for some lenders.
Total debt-to-income ratio
44.0%
TightAbove 43%, your options narrow. Some lenders still approve here if you have strong reserves or a high credit score.
Housing ratio
30.8%
Housing cost only (front-end)
Total debt payments
$2,640
Total income: $6,000
Left after debts
$3,360
Before tax and living costs
You are about $60 a month over the 43% mark.
At your current debt level, you would need $6,140 a month in income to hit 43%.
Where your income goes
This is an estimate for planning. Lenders apply their own rules, verify your figures, and may count income or debts differently.
Know the Number Lenders Check First
Before a bank looks at your credit score, it works out how much of your income is already promised to someone else. This calculator does the same sum. Enter what you earn and what you owe each month, and you get the housing ratio and the total ratio side by side, plus how far you sit from the limit you are aiming for.
Why Use This Income to Debt Calculator?
Both Ratios at Once
Lenders quote DTI as a pair, such as 31/43. You get the housing figure and the total figure together instead of doing two separate sums.
Housing Costs Split Out
Rent or mortgage goes in one field, and taxes, insurance, and association dues in another, which is how underwriters build the front-end number.
Room Left to Borrow
Pick a 36%, 43%, or 50% target and see how much monthly payment you can still add, or how much you need to clear to get under it.
Nothing Leaves Your Browser
Salary and loan figures are personal. Every calculation happens on your device, with no upload, no account, and no stored history.
How Lenders Read Your Ratio
The exact cut-off moves with the loan type and the strength of the rest of your file, but these bands describe how most underwriters group applicants.
| Under 36% | Comfortable | The widest choice of lenders and the best pricing. You also keep enough slack for an unexpected bill. |
| 36% – 43% | Acceptable | Still approvable, and 43% is the standard qualified mortgage ceiling. Expect closer scrutiny of savings and job history. |
| 43% – 50% | Tight | Some FHA and portfolio lenders go here with compensating factors such as reserves or a high credit score. |
| Over 50% | Declined by most | Conventional approval is unlikely. Clearing a whole loan rather than trimming several balances is the fastest fix. |
How this Income to Debt Calculator works
This calculator works out your debt-to-income ratio, the figure a lender checks before it looks at anything else. You enter what you earn each month before tax, then the payments you are committed to: rent or mortgage, property taxes and insurance, car finance, student loans, credit card minimums, personal loans, and any court-ordered support. Every field updates the result as you type, so you can test a scenario without submitting a form.
Two percentages come out of that. The front-end ratio divides your housing costs alone by gross income, which is why rent or mortgage sits in one field and taxes, insurance, and association dues sit in another. The back-end ratio divides every debt payment by the same income figure. Lenders quote the pair together, as in 31/43, and the second number usually decides the application.
Pick a 36%, 43%, or 50% target and the tool shows the monthly payment you could still take on before crossing it, or the amount you would need to clear to get under it. A colored band tells you how underwriters would group the result, and a bar splits your income into housing, other debt, and what is left. Nothing is uploaded; every calculation runs on your device.
How to use this Income to Debt Calculator
Enter your income
Put in your gross monthly pay before tax. If you are paid every two weeks, multiply by 26 and divide by 12.
Add your housing cost
Enter rent or the mortgage payment, then taxes, insurance, and association dues in the second field.
List your other debts
Car, student loans, card minimums, personal loans, and support payments. Monthly payment only, not the balance.
Read both ratios
The housing ratio and total ratio update as you type, along with the room you have left to reach your target.
Example Usage
A typical mortgage applicant checking where they stand:
Frequently Asked Questions
What is a debt-to-income ratio?
Why does the tool show two percentages?
What counts as a debt payment here?
Should I enter income before or after tax?
What is a good debt-to-income ratio?
Does the 43% limit apply to every loan?
How do I lower my ratio before applying?
Do credit card balances or minimum payments count?
Does my ratio affect my credit score?
Are my figures sent anywhere?
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The Income to Debt Calculator is maintained by CodeItBro. We aim to provide the best free developer tools on the web. If you have feedback or suggestions, please visit our contact page.
