Debt-to-Income Calculator
Calculate housing and total debt-to-income ratios from gross monthly income and debt payments.
✓ No signup✓ Mobile friendly✓ Clear limitations✓ Browser-first where practical
Recent tools are remembered only on this device.
Planning estimate only. Debt-to-income (DTI) divides monthly debt payments by gross monthly income. Different lenders and loan products use different underwriting rules and may count obligations differently.
Housing ratio27.5%
Total DTI38.8%
Total monthly debt$3,100.00
Gross income after modeled debt$4,900.00
Why use this debt-to-income calculator?
Use this free debt-to-income calculator directly in your browser. There is no account to create and the result appears immediately.
How to use it
Start with the inputs shown above, review the assumptions or options, then generate the result. Where the tool creates a file, keep the original until you have opened and checked the downloaded output.
Frequently asked questions
Is Debt-to-Income Calculator free?
Yes. The core tool is free to use without creating an account.
Do I need an account to use Debt-to-Income Calculator?
No. You can use the core Toolbox workflow without signing up.
Does Debt-to-Income Calculator work on mobile?
Yes. Toolbox is designed for modern mobile and desktop browsers, although complex file workflows can be easier on a larger screen.