Debt-to-income ratio calculator
Lenders look at how much of your pay goes to debt before approving. Enter your payments, income and the limit to compare against.
Loading the tool…
Processing and privacy: The result is calculated inside your browser and your data is not sent to any server.
How to use it
- Enter total monthly debt payments, monthly income and maximum ratio.
- The result appears straight away and updates as you edit.
- Copy the result, or copy a link that keeps the same values to share it.
How it is calculated
Ratio = total monthly debt payments ÷ monthly income × 100. Room left = income × limit % − current payments.
Example
Inputs: Total monthly debt payments = 1,500, Monthly income = 6,000, Maximum ratio = 33 %. Result: Debt-to-income ratio: 25%; Room for more monthly payments: 480.00; Status: Within the limit you entered.
Limits and caveats
- The maximum depends on the country, lender, product and whether income is gross or net, so enter the one that applies to you.
- Some lenders count a share of card limits even without a fixed payment.
Questions about this tool
Which payments do I add up?
Every monthly commitment: personal loans, car finance, home finance and card minimums.
Gross or net income?
Use whichever the lender you are applying to uses; some take gross pay and some take net.
Why is the default limit 33%?
It is a figure often used as a salary deduction cap for personal finance, but it is not universal, so change it to fit your case.