Debt-to-Income (DTI) Calculator

Includes the housing payment and other qualifying monthly debt payments, such as car loans, student loans, credit card minimums and applicable support obligations.

The calculator converts annual income to monthly income and adds any qualifying additional monthly income. A replacement payment is used for the housing ratio. Include any prior housing obligation that still counts once in Other Monthly Debt. With zero qualifying income, the ratios are unavailable and the debt total remains visible.

Housing allowance is the smaller of income × selected housing ratio and income × selected total-debt ratio − other qualifying debts, floored at zero. Signed remaining debt capacity is income × selected total-debt ratio − current total debt. Required income at unchanged debt is debt ÷ target ratio.

Author: Quinn Sumner - Editor

Owner: Quinn Sumner - Editorial owner

Reviewer: Calculover Editorial Review - Source and limitation review

Last reviewed: 2026-08-10

Last verified: 2026-10-22

Data effective: 2026-08-10

The calculator converts annual income to monthly income and adds any qualifying additional monthly income. A replacement payment is used for the housing ratio. Include any prior housing obligation that still counts once in Other Monthly Debt. With zero qualifying income, the ratios are unavailable and the debt total remains visible. Housing allowance is the smaller of income × selected housing ratio and income × selected total-debt ratio − other qualifying debts, floored at zero. Signed remaining debt capacity is income × selected total-debt ratio − current total debt. Required income at unchanged debt is debt ÷ target ratio.

Assumption: The calculator converts annual income to monthly income and adds any qualifying additional monthly income. A replacement payment is used for the housing ratio. Include any prior housing obligation that still counts once in Other Monthly Debt. With zero qualifying income, the ratios are unavailable and the debt total remains visible.

Assumption: APR, compounding, fees, payment timing, and repayment-program inputs are simplified to the fields available in the calculator.

Assumption: Student-loan, consolidation, or forgiveness results assume the user verifies plan eligibility with the servicer or Federal Student Aid.

Selected ratios are assumptions, not program eligibility or approval. Lenders and products use different limits. For adjusted student debt, enter the qualifying monthly payment supplied by the lender; the tool does not infer a universal payment from balance. Secondary income is entered as the qualifying amount without automatic gross-up. Gross income less debt excludes tax and living expenses.

Fees, variable rates, grace periods, capitalization, late payments, and prepayment rules can materially change payoff timing and total cost.

Program eligibility and DTI thresholds vary by lender, loan program, borrower profile, and current underwriting rules; verify current requirements with the lender.

Professional guidance: Debt-to-Income Ratio Calculator is for debt-planning education only and is not credit, legal, tax, or student-aid advice. Confirm loan terms, eligibility, and repayment options with the lender, servicer, or Federal Student Aid.

What is a debt-to-income ratio? - Consumer Financial Protection Bureau

Debt-to-Income Ratios - Fannie Mae Selling Guide

Qualifying Impact of Other Real Estate Owned - Fannie Mae Selling Guide