Debt-to-Income Calculator

Calculate your DTI ratio to understand your financial health.

Monthly Gross Income

Base Salary / Wages

Your regular monthly salary or wages before taxes.

Bonuses / Overtime

Average monthly bonuses, commissions, or overtime pay.

Other Income

Alimony, child support, investment income, or pensions.

Total Monthly Income $0.00

Minimums

Rent or Mortgage

Include monthly rent or mortgage payment (with taxes & insurance).

Auto Loans

Total minimum monthly payments for all vehicles.

Credit Cards

Total minimum monthly payments across all credit cards.

Student Loans

Total minimum monthly student loan payments.

Monthly Installments

Installment purchases from online shops (e.g., BNPL services, store financing).

Personal Allowance

Budgeted amount for personal spending, hobbies, or entertainment.

Other Debts

Personal loans, medical debt, or child support obligations.

Total Monthly Debt $0.00

0% DTI Ratio

Enter Income

Monthly Income $0

Monthly Debt $0

Remaining (Savings) $0

Please enter your gross monthly income to calculate your DTI.