Personal money · 103

Debt-to-income ratio

What share of gross monthly income goes to debt payments?

Your numbers

Quick answer

What does the Debt-to-income ratio calculate?

What share of gross monthly income goes to debt payments? This calculator uses gross monthly income, housing debt payment, and other debt payments to estimate monthly debt share immediately in your browser.

With the values currently entered, the result is 37.7% — debt-to-income ratio. It also shows monthly debt payments, and income after listed debt.

How to use the Debt-to-income ratio

Replace the example values with your own numbers.
Review the result and supporting figures as they update automatically.
Check the formula and assumptions before using the estimate for a decision.

Inputs used

Gross monthly income
Housing debt payment
Other debt payments

Debt-to-income ratio formula

(Housing debt + other debt) ÷ gross monthly income × 100

Assumptions

Income is gross before deductions.
Only recurring contractual debt payments are included.

Practical guide

Debt-to-income ratio example and edge cases

Debt-to-income compares required monthly debt payments with gross monthly income. Lenders use it as one view of affordability.

Example: Combining housing and other debt

Use gross monthly income of 6,500, housing debt payments of 1,800, and other monthly debt payments of 650.

Gross monthly income: 6,500
Housing debt payment: 1,800
Other debt payments: 650

Calculated result37.7%debt-to-income ratio

A lower ratio leaves more income for normal life. It does not guarantee that a new payment is comfortable.

Example results use the default display profile. The calculator above follows your selected country and units.

How to read the result

This ratio uses gross income, before tax. Your real cash flow depends on take-home pay and living costs.
Lender limits vary by country, loan, and borrower. Treat the result as a planning signal, not an approval rule.

Edge cases worth checking

A debt will end soon

Calculate the ratio now and after the final payment. Do not omit a debt while it is still required.

The lender adjusts irregular income

Use the income amount a lender is likely to accept, not the best recent month.

What changes the result most

Gross monthly income

Use a current amount for gross monthly income. Include fees or recurring costs that belong in the same figure.

Housing debt payment

Use a current amount for housing debt payment. Include fees or recurring costs that belong in the same figure.

Other debt payments

Use a current amount for other debt payments. Include fees or recurring costs that belong in the same figure.

Try a different scenario

Small changes show whether the answer is stable or sensitive.

Gross monthly income: 10% lower

5,850

41.9%debt-to-income ratio

Gross monthly income: 10% higher

7,150

34.3%debt-to-income ratio

Housing debt payment: 10% higher

1,980

40.5%debt-to-income ratio

Common mistakes

Check gross monthly income

Income is gross before deductions. Make sure this matches the number you enter.

Keep other debt payments consistent

Only recurring contractual debt payments are included. Use the same units and time period throughout the calculation.

Do not rely on one debt-to-income ratio scenario

Run a cautious case and an optimistic case. The range is often more useful than one exact-looking number.

Use this result well

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