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Debt-to-income ratio calculator

Compute your debt-to-income ratio and remaining monthly borrowing room.

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Need Debt-to-income ratio, Room left at 35%? The Debt-to-income ratio calculator derives it from Monthly net income, Monthly debt payments in one step. For instance, with Monthly net income = $3,000.00 and Monthly debt payments = $900.00 it returns Debt-to-income ratio = 30% and Room left at 35% = $150.00.

How to use it

  1. Enter your values: Monthly net income, Monthly debt payments.
  2. Read the result instantly: Debt-to-income ratio, Room left at 35%.

Frequently asked questions

How does the Debt-to-income ratio calculator work?

It takes Monthly net income and Monthly debt payments and derives Debt-to-income ratio and Room left at 35% from them. The calculation is live as you type, so the result updates on every change.

Which values does the calculator ask for?

2 values: Monthly net income ($) and Monthly debt payments ($). Nothing else is required — no account, no file upload.

What does a typical calculation look like?

With Monthly net income = $3,000.00 and Monthly debt payments = $900.00, the calculator returns Debt-to-income ratio = 30% and Room left at 35% = $150.00. Those figures come from running this exact tool, so you can reproduce them by entering the same values.

How much does the result change with different inputs?

It moves a lot. Using Monthly net income = $6,000.00 and Monthly debt payments = $1,800.00 instead, Room left at 35% goes from $150.00 to $300.00 — which is why it is worth testing a few scenarios rather than trusting a single figure.

What does it give for smaller values?

Scaled down to Monthly net income = $1,500.00 and Monthly debt payments = $450.00, Room left at 35% comes out at $75.00. The relationship is worth checking at both ends before you rely on a single result.

When would I actually use this?

Before signing: checking whether the instalment fits the budget, comparing two offers at different rates and terms, and seeing what a shorter term really costs each month.

What is the most common mistake?

Comparing monthly instalments instead of total interest. A longer term always looks cheaper each month and costs more overall — the two figures move in opposite directions.

How accurate is it, and what are the limits?

Estimate only — not financial advice.

What is the difference between the Debt-to-income ratio calculator and the Debt Consolidation Calculator?

This one returns Debt-to-income ratio and Room left at 35%; the Debt Consolidation Calculator returns Result. That is the whole difference — open the one whose figure you need.

Is there a tool for the next step?

Debt Payoff Calculator (Avalanche vs Snowball) is the closest one after this: Add every debt you owe with its balance, rate and minimum, add whatever you can pay on top, and the tool simulates both classic orders month by month: avalanche attacks the highest rate, snowball the smallest balance. Avalanche always costs less interest; snowball usually clears the first debt sooner. Both numbers are shown so the choice is yours.

Further reading

All guides →
ExplainerWhat Is the Debt-to-Income Ratio?Your debt-to-income ratio compares your monthly debt payments to your income. Here's how to calculate it, why lenders use it, and how to improve it.ExplainerWhat Is the Maximum Debt-to-Income Ratio for a Mortgage?Understand the 33% to 43% debt-to-income limits lenders use, how they calculate the ratio, and what to do if yours is too high.ExplainerThe Two Ceilings on a Mortgage: France's Usury Rate and Portugal's Debt-Service LimitFrance caps the total cost of a mortgage at one third above the market average, insurance included. Portugal caps the monthly repayment at a share of net income — and on 1 August 2026 it cut that share from 50 % to 45 %. Neither ceiling means what the headline percentage suggests.ExplainerWhat Is a Good Credit Utilization Ratio?Credit utilization is the share of your credit limit you're using. Here's what counts as good, why it matters for your score, and how to lower it.ExplainerThe Two Numbers That Set Your Borrowing CapacityA lender does not decide how much you can borrow. A ratio decides a monthly payment, and an interest rate turns that payment into a principal. On $7,500 of income the two steps give $1,805 and $285,571 — and clearing one $280 debt adds $44,299.ExplainerHow Are Mortgage Payments Calculated?Your monthly mortgage payment comes from three things: the amount borrowed, the interest rate and the term. Here's the formula and what moves the number.