Debt-to-Income

Compare monthly debt payments with gross income.

Your numbers

Enter your numbers to see the result.

How Debt-to-Income works

Debt-to-income percentage = monthly debt payments ÷ gross monthly income × 100. Lenders may include different obligations when assessing applications.

A worked example

These sample values illustrate the calculation. Use your own numbers in the calculator for your result.

Example inputs

Gross monthly income: 4000
Monthly debt payments: 800

Debt-to-income ratio: 20%

Assumptions and limits

Rates, fees and contribution schedules are the assumptions you enter. This estimate does not include changes you have not entered.

Educational estimate only. This is not personalized financial, investment or tax advice.