Debt-to-income ratio calculator
Combine income, housing costs and debt payments to calculate DTI, remaining income and room before a configurable reference threshold.
- 100% local
- Instant
- Free
- No account
- Works offline
Your debt-to-income ratio
Break down monthly income and commitments to see how much of your budget is already committed.
Position versus threshold
——
—
Housing—
Other debts—
Income left—
Monthly breakdown
| Item | Amount | % of income |
|---|---|---|
| Housing | — | — |
| Other debts | — | — |
| Total monthly commitments | — | — |
Why use this tool?
Debt-to-income compares monthly commitments with monthly income. This calculator separates housing from other debt, shows mathematical income left after commitments and measures the remaining room before a configurable threshold.
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Your data stays on your device and is never sent to our servers.
Smart processing
Calculate and compare financial scenarios with clear indicators and explicit formulas.
Supported formats
Amounts, rates, terms and financial assumptions depending on the calculator.
Save time
Get a clean, ready-to-use result in seconds without installing software or configuring a complex workflow.
Fonctionnement
How does this tool work?
Monthly income combines earned income and other regular income entered.
The housing ratio divides housing-related costs by monthly income.
Total DTI adds other required debt payments before dividing all commitments by income.
Remaining capacity is the positive difference between the monthly ceiling implied by your chosen threshold and current commitments.
Use cases
Review your monthly budget
See how much income is already committed to housing and debt payments.
Prepare for financing
Estimate the effect of another payment before running a loan scenario.
Compare assumptions
Change income, commitments or the reference threshold and see the effect instantly.
Guide
How to use this tool
- 1
Enter income
Keep earned income and other regular income separate.
- 2
Detail housing costs
Add the main payment and recurring housing costs that matter to your analysis.
- 3
Add other debts
Include required monthly loan and credit payments.
- 4
Review the ratios
Compare housing ratio, total DTI, remaining income and room before the threshold.
Tips and best practices
- Use the same income convention when comparing scenarios.
- Enter required monthly payments rather than outstanding debt balances.
- Review residual income as well as the ratio because a low DTI can still leave a tight budget.
Frequently asked questions
What is the difference between housing ratio and total DTI?
Housing ratio only includes housing-related costs. Total DTI adds the other required debt payments.
Which DTI threshold should I use?
There is no universal threshold for every lender or country. The field is editable and should be treated as a planning reference.
Should I enter outstanding loan balances?
No. For this ratio, enter required monthly payments rather than the total outstanding balance.
Is remaining capacity a guaranteed new payment?
No. It is only the mathematical gap to your selected threshold; a lender may allow less.
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