Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio from monthly debt payments and gross income.
Debt-to-Income Ratio
30.0%
How This Works
Debt-to-income ratio measures how much of your gross income goes toward debt payments — lenders commonly use it to assess borrowing capacity.
Formula
Debt-to-Income Ratio = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100
Example
$1,800 in monthly debt payments against $6,000 income is a 30% DTI.
Frequently Asked Questions
What is the debt-to-income ratio with these numbers?
30.0%.
What's considered a good debt-to-income ratio?
Below 36% is commonly considered healthy by lenders, though requirements vary by loan type and lender.