BORROWING / MONTHLY CAPACITY

Debt-to-Income Calculator

Compare current and proposed monthly debt payments with gross income using the standard DTI relationship lenders commonly review.

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02 Values stay in this browser tab
03 Use boundary

Conversion input

Known value

Filter by unit name, symbol, or code. Your current selections remain available.

Calculation currencyAll money fields and results use this currency label. Changing it does not apply an exchange rate or alter the entered amounts.

Gross monthly incomeMonthly income before tax and payroll deductions, using income a lender is likely to accept and verify.INRHousing debt paymentMonthly mortgage or other housing debt payment included in your DTI calculation.INROther loan paymentsMonthly vehicle, education, personal, or other instalment debt payments.INRCredit-card minimum paymentsTotal monthly minimum payments across revolving credit accounts.INROther recurring debt paymentsCourt-ordered or other recurring debt obligations that belong in the lender calculation.INRProposed new paymentEstimated monthly payment for the new loan or obligation you are considering.INR

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Calculation path

The page adds recurring monthly debt payments and divides them by gross monthly income. A second view adds the proposed payment without changing current DTI.

Calculation path

DTI = monthly debt payments / gross monthly income x 100. The proposed view adds the new payment to current monthly debts first.

What you provide

Gross monthly income before deductions
Every recurring monthly debt payment
The realistic payment for the credit being considered

What you receive

Current DTI
DTI including the proposed payment
Gross income remaining after the entered debts

Use boundary

Choose the maximum decimal places shown. This does not increase source accuracy.

DTI is not disposable income and does not include groceries, utilities, insurance, childcare, or other ordinary spending. Lenders define qualifying income and debts differently.

Reviewed reference factors

Consumer Financial Protection Bureau: debt-to-income ratio

Debt-to-Income Calculator

Calculation path

What you provide

What you receive

Choose the maximum decimal places shown. This does not increase source accuracy.

Reviewed reference factors

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