Monthly Debt-to-Income Ratio
Calculate the share of gross monthly income committed to debt payments. This follows the basic DTI definition explained by CFPB and does not recreate Korean regulatory DSR underwriting.
- Runs in your browser
- Nothing is uploaded
- No signup; device limits apply
Numbers stay on your device. Nothing is sent to a server.
Rent or mortgage, car, minimum credit cards, student loans, and similar fixed debts.
How to use this tool
Enter gross monthly income and monthly debt payments in the same currency; monetary outputs are labelled USD. Do not mix annual income or all household spending into monthly debt inputs.
Results and examples
DTI is debt payments divided by income times 100. The 36/43 bands are comparison prompts, not approval decisions; CFPB states that limits differ between lenders and loan products.
Worked example
Monthly debt of USD 1,800 divided by USD 6,000 gross income gives 30% DTI.
Limitations
- Credit scores, additional housing charges and lender underwriting are not modelled.
- A household budget including food and utilities requires a separate review.
Fields
| Field | Guidance and constraints |
|---|---|
| Monthly debt payments | Rent or mortgage, car, minimum credit cards, student loans, and similar fixed debts. · Accepted range: 0–1000000 · Input step: 10 |
| Gross monthly income | Accepted range: 0.01–10000000 · Input step: 50 |
Data handling
Processing stays in the current browser tab; the site does not upload tool input for the calculation itself.
Sources
Frequently asked questions
Should I enter take-home income?
No. This DTI definition uses gross monthly income.
Does being below 43% ensure approval?
No. Lenders and products have different requirements.
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