Mortgage & financing

Debt-to-income Ratio Calculator

Compare recurring monthly debt payments with gross monthly income. Replace every default with figures that apply to your property and location.

What this calculator estimates

Compare recurring monthly debt payments with gross monthly income. It combines the inputs below to produce Total debt-to-income ratio. Every assumption remains editable so the estimate can reflect the property, financing and location being evaluated.

Worked example

Using the displayed sample assumptions, the calculator produces 35.50%. This is an illustration, not a market quote. Change one input at a time to understand what drives the result.

Inputs and assumptions

• Gross annual income — sample input: 120000 currency units
• Monthly housing payment — sample input: 2800 currency units
• Other monthly debt payments — sample input: 750 currency units

How to interpret the result

Compare the payment with your total housing budget, not income alone. Compare a conservative case with an expected case and keep a record of the assumptions used.

Common mistake to avoid

Avoid assuming the lowest advertised rate applies to every borrower. Local definitions, taxes, lending practices and measurement requirements can materially change the result.

Related calculators

Reviewed 2026-09-08.