Example 1
- Gross income: 6,000
- Current debts: 1,200
- No new payment
DTI 20%
Lower debt load
What is DTI at 1,200 debts and 6,000 income? 20% — lower debt load (teaching guidance).
Debt-to-Income (DTI) Calculator
Enter monthly gross income and current debts. The calculator computes DTI (debt to income): 1,200 on 6,000 is 20%. At 7,000, 800, and a planned new payment of 1,800 the ratio rises from about 11% to about 37%.
Result
Monthly gross income, Current monthly debt payments, Planned new monthly payment (optional) and Housing / rent / mortgage. The result shows up here.
DTI = debts ÷ gross income. Bands ≤33 / 33-50 / ≥50 are indicative. Guidance, not a credit decision. Inverted amount: borrowing capacity.
How results are calculated
Debts1,200
Income6,000
DTI20%
Article hook: 20% back-end at 1,200 / 6,000 looks calm, but housing alone of 1,600 at the same income is already front-end ≈ 27%. U.S. teaching bands like 28/36 get quoted; your lender still sets its own cap. Arithmetic, not scoring.
DTI, debt to income, on this page is current monthly debt payments divided by monthly gross income. 1,200 / 6,000 = 20%. At 7,000 and 800 current, DTI is about 11.43%. A planned new monthly payment of 1,800 lifts debts to 2,600 and DTI to about 37.14%, plus about 26 points. Bands on the page: through 33% lower, 33–50% moderate, from 50% high. That is orientation, not an offer cutoff.
A breakdown under options overwrites the current-debts field when you fill it. Example: housing 1,600, cards 400, personal 500, car 300 add to 2,800. On 5,500 income that is about 50.91% (about 51% on the page). A new 900 payment lifts the sum to 3,700 and DTI to about 67%. Co-borrower monthly gross income adds into the denominator.
The basic fields are monthly gross income, current monthly debt payments, and optional planned new monthly payment. Options hold housing / rent / mortgage, credit-card minimums, personal loans, car loan / lease, other monthly debts, and co-borrower income. The result shows current DTI, DTI after the new payment, the change in points, and income after debts.
Borrowing capacity takes a similar cap, for example 40%, and inverts a payment into an amount. Here you stay with a percent. LTV (loan to value) is a different scale on its own page. Header currency only labels the amounts.
A comma and a period in 1800.5 mean the same number. The calculator needs positive income. Zero debts give DTI 0%. This is teaching guidance, not a score and not a credit decision.
Enter 6,000 and 1,200, use Calculate, and check 20%. Then try 7,000, 800, and a new 1,800 payment to see about 11% and about 37%.
How to use
- Enter Monthly gross income, for example 6,000, and Current monthly debt payments, for example 1,200.
- Optionally add Planned new monthly payment, for example 1,800, to see DTI after that payment.
- Under Additional options you can break out Housing, Credit cards, Personal / cash loans, Car loan / lease, and Other, or add Co-borrower monthly gross income.
- Click Calculate. 1,200 / 6,000 = 20%. At 7,000, 800, and a new 1,800 you get about 11%, then about 37%.
- An inverted amount from a cap lives on borrowing capacity. Property LTV lives on the LTV page.
Formula
DTI = (monthly debts / monthly gross income) × 100%
After a new payment: debts' = debts + new payment. Income may include a co-borrower. Bands ≤33 / 33–50 / ≥50 are guidance only.
Model: debt-to-income affordability ratio — educational, not lender underwriting.
DTI as debts divided by gross income
DTI = monthly debts ÷ gross income. 1200 on 6000 is 20%. At 7000, 800, and a new 1800 payment the ratio rises from about 11% to about 37%.
- DTI
- Debt to income in this calculator. 1200 / 6000 = 20%. Bands at 33 and 50 are guidance, not a credit decision.
- gross income
- The denominator, Monthly gross income. At 7000 with 800 of debts, current DTI is about 11%.
- new payment
- Optional planned payment. 1800 on 7000 and 800 lifts DTI to about 37%, a change of about +26 pp.
Usage examples
Example 2
- Income: 7,000
- Current: 800
- New payment: 1,800
DTI 11% → ≈ 37%
+26 pp
What is DTI after a new 1,800 payment at 7,000 and 800? From ≈ 11% to ≈ 37% (+26 pp).
Example 3
- Income: 5,500
- Breakdown ≈ 2,800 + new 900
DTI ≈ 51% → ≈ 67%
High debt load
What is DTI near 51% after a new payment? About 67% — high debt load (indicative).
How to interpret the DTI result
- DTI shows what share of your income is absorbed by monthly debt obligations - it is a burden ratio, not a lending decision.
- A lower result usually means more room in the budget, but it does not guarantee approval on its own.
- If you add a planned new instalment, the calculator shows the change in budget pressure rather than a simple “yes/no” answer.
When to choose another tool
- Maximum loan amount or affordable instalment based on income → Creditworthiness
- Property financing structure → LTV or Down payment
- Instalment for a specific amount and term → Loan instalment
Related calculators
FAQ
How is the DTI ratio calculated?
DTI = monthly debt payments ÷ monthly gross income, as a percent. 1,200 / 6,000 = 20%. Educational estimate, not lender scoring.
What are front-end and back-end DTI?
Front-end is usually housing only (rent or mortgage) ÷ income. Back-end is all monthly debts ÷ income. U.S. lenders often watch both; this page shows the same pair as guidance, not an approval rule.
What does a planned new payment change?
The new payment adds to back-end debts. At 7,000 income, 800 current, and a new 1,800, current DTI is about 11.43% and after the payment about 37.14%.
When does the breakdown override the debts field?
When you fill any of housing, cards, personal, car, or other under options, the calculator sums that breakdown instead of the single current-debts field.
Does front-end appear without a housing amount?
No. The front-end result shows when options include a housing / rent / mortgage amount. Otherwise only back-end remains.
Are 28/36% or 36/43% hard limits here?
No. Those are common teaching bands (often cited for front/back in the U.S.). Your lender uses its own caps, scoring, and stress tests.
What does co-borrower income do?
It raises the denominator (combined gross income). Debt in the numerator stays the same, so DTI falls.
Is the result an underwriting decision?
No. It is arithmetic from your amounts. Borrowing capacity and lender decisions live on the borrowing-capacity page.
What debts count toward DTI?
Include recurring payments: housing or rent, loans, leases, credit-card minimums, and court-ordered support if you count it. Skip groceries and utilities. On this page enter one total or the optional breakdown.
Is DTI based on gross or net income?
Here the denominator is monthly gross income — the classic U.S. teaching formula. Some lenders still apply their own income definitions. The result is educational arithmetic, not an underwriting score.
How is DTI different from borrowing capacity?
DTI is a percent: debts ÷ income. Borrowing capacity turns a similar cap into a loan amount at a rate and term. Bridge: check DTI first, then invert to an amount on the borrowing-capacity page.
Knowledge sources
DTI is debts over income from your amounts. The bands are indicative, not a credit decision.
Page updated October 21, 2026.