Debt & Payoff
Debt-to-Income Ratio Calculator
Calculate your housing and total debt-to-income ratios, test a proposed new monthly payment, and estimate what would need to change to reach a target DTI.
Your numbers
Use gross income before taxes and deductions.
Gross income
Monthly housing costs
Enter only the housing costs you want included in this model.
Other recurring monthly debt
Your result
Debt-to-Income Ratio
How it works
Total DTI= total modeled monthly debt payments ÷ gross monthly income × 100.
Housing DTI= modeled monthly housing costs ÷ gross monthly income × 100.
Annual income is converted to monthly income by dividing it by 12. The calculator keeps full precision during calculations and rounds displayed results.
Next action
Want to work on the monthly debt payments behind your DTI?
Frequently asked questions
What is debt-to-income ratio?
DTI compares modeled recurring monthly debt payments with gross monthly income and expresses the result as a percentage.
What is housing DTI?
Housing DTI uses only the housing costs entered above. Total DTI adds the other recurring debt payments entered in the calculator.
Should I enter gross or take-home income?
Enter gross income before taxes and deductions. Annual gross income is divided by 12 automatically.
Does this result mean I will qualify for a loan?
No. This is an educational planning calculation. Lenders and programs may define eligible debts and income differently and consider additional underwriting factors.
PRAVIAX provides educational calculations, not financial, lending, legal or tax advice. Verify the debt and income definitions required for your specific lender or program.