Free tool

Debt-to-income calculator

Find your debt-to-income ratio, one of the main numbers lenders look at.

Monthly income before tax$Rent or mortgage payment$Car payments$Student loan payments$Credit card minimums$Other loan payments$Personal loans, child support and similar. Not groceries or utilities.

Debt-to-income ratioExample

40.8%

Many lenders will still work with this.

Monthly debt payments: $2,450
Housing alone: 26.7% of income

Lenders set their own limits, and they differ by loan type. Mortgage lenders often look at housing alone (many like it under 28%) as well as the total.

Uses income before tax and minimum monthly payments, the way most lenders calculate it.
Estimates only, for planning. This isn't an offer of credit or advice about your situation.

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