Total debt-to-income ratio-
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Debt-to-income ratio calculator
Combine income, housing costs and debt payments to calculate DTI, remaining income and room before a configurable reference threshold.
This choice applies to every calculator; amounts are not converted.
Your debt-to-income ratio
Break down monthly income and commitments to see how much of your budget is already committed.
Position versus threshold
-Total debt-to-income ratio
Housing-
Other debts-
Income left-
Monthly breakdown
| Item | Amount | % of income |
|---|---|---|
| Housing | - | - |
| Other debts | - | - |
| Total monthly commitments | - | - |
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How does this tool work?
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.
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.
How to use this tool
Enter income
Keep earned income and other regular income separate.
Detail housing costs
Add the main payment and recurring housing costs that matter to your analysis.
Add other debts
Include required monthly loan and credit payments.
Review the ratios
Compare housing ratio, total DTI, remaining income and room before the threshold.
Debt-to-income formulas
The ratios compare monthly commitments with the household’s regular monthly income.
Total debt-to-income ratio
Total debt-to-income ratio = Total monthly commitments ÷ (Salary and earned income + Other regular income) × 100
Commitments combine housing (rent or mortgage payment, property tax, insurance, association fees) and all other debts.
Housing ratio
Housing ratio = Housing costs ÷ Monthly income × 100
Only the share spent on housing is compared with income.
Room below the threshold
Remaining capacity = Monthly income × Reference debt-ratio threshold ÷ 100 − Total monthly commitments
Monthly amount still available before reaching the chosen threshold (zero if it is already exceeded).
- R
- Monthly income (salary and other regular income)
- E
- Total monthly commitments
- L
- Monthly housing costs
- s
- Reference debt-ratio threshold (%)
Lenders use their own thresholds; the default 35% follows the French HCSF mortgage rule, while US lenders often refer to 36% or 43%.
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.
Examples
Household earning €4,000 with a mortgage and a car loan
1,000 + 300 + 100 = €1,400 of payments, i.e. 35% of €4,000: the threshold is reached exactly, leaving no extra capacity.
Input
Salary and earned income: €4,000; Rent or mortgage payment: €1,000; Auto loan: €300; Credit cards / revolving credit: €100; Reference debt-ratio threshold: 35%Result
Housing ratio: 25%; Total debt-to-income ratio: 35%; Total monthly commitments: €1,400; Monthly income left after commitments: €2,600; Monthly room before the threshold: €0Tips 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.
Sources and references
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.
Should everyday spending such as groceries or energy be included?
No. The debt-to-income ratio only counts housing (rent or mortgage payment, property tax, insurance, association fees) and debt repayments. Living costs matter for the money left after commitments, which lenders review alongside the ratio.
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