Debt-to-Income Ratio Calculator
Divide monthly debt payments by gross monthly income.
Runs in your browser. Nothing is uploaded — your input is processed on this device and discarded when you close the tab.
Debt-to-Income Ratio Calculator
How to use this tool
- Enter total monthly debt payments.
- Enter gross monthly income before tax.
- Press Generate to see the ratio as a percentage.
Worked example
Monthly debt payments of 800 against gross monthly income of 4,000 give a debt-to-income ratio of 20.00%.
What this tool does not do / Limits
This is an estimate only and is not financial advice. It uses gross income before tax and only the debt payments you enter, so lenders may count different debts or use net income and reach a different figure.
Frequently asked questions
Should I use gross or net income?
This tool uses gross income, which is the usual basis for this ratio. Using net income instead would give a higher percentage.
Which payments count as debts?
Loan, card minimum, mortgage and similar fixed debt payments. Everyday spending on food or utilities is not a debt payment for this ratio.
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