Example 1 — No new loan
- Gross income: 6,000
- Current debts: 1,200
- No new payment
DTI 20%
Lower debt load
Current situation only — comfortable band (guidance).
DTI — Debt-to-Income Ratio
Check your current DTI and how a planned new payment changes your debt load. Educational guidance — not a credit decision.
Estimate / guidance — not lender approval. DTI = monthly debt payments ÷ gross income × 100%. Bands ≤33% / 33–50% / ≥50% are indicative; lender criteria vary.
Result
Enter data and click Calculate.
How results are calculated
Current DTI = current debts ÷ gross income × 100%.
DTI after new payment = (current + planned payment) ÷ income × 100%. Change = difference in percentage points.
Income left = income − debts (current or with the new payment).
Bands: ≤33% lower, 33–50% moderate, ≥50% high debt load — educational guidance only.
How to use the calculator
- Enter monthly gross income and current debt payments.
- Optionally add a planned new payment (e.g. mortgage or personal loan).
- Under Additional options you can break down debts or add co-borrower income.
- Compare DTI before and after — guidance only, not bank approval.
Usage examples
Example 2 — Adding a mortgage payment
- Income: 7,000
- Current: 800
- New payment: 1,800
DTI 11% → ≈ 37%
+26 pp
The new payment lifts DTI sharply — still in the moderate band.
Example 3 — Higher-debt case
- Income: 5,500
- Breakdown ≈ 2,800 + new 900
DTI ≈ 51% → ≈ 67%
High debt load
A large income share goes to debt — new credit can be harder (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
FAQ
What does the DTI ratio mean?
The ratio of monthly debt payments (instalments, cards, leasing) to monthly gross income, shown as a percentage — an educational measure of budget load.
Why gross income and not net?
Many lenders calculate DTI from gross income (before tax) to compare applicants on the same basis — that is why this field asks for the gross amount.
What counts as debt payments?
Loan and leasing instalments, minimum credit-card payments, alimony/maintenance, and other recurring financial obligations — usually not rent, though some lenders include it.
What do the 33% and 50% thresholds mean?
Indicative educational bands: ≤33% usually comfortable, 33–50% elevated (lenders look more carefully), ≥50% usually considered high. Real thresholds are set by each lender individually.
Is the result a credit decision?
No. It is a quick indicative ratio — lenders also apply credit scoring, credit history, and rate-stress buffers.
What can I do about a high DTI?
Consider paying down some debt, increasing income, or check your borrowing capacity to see the maximum payment and loan amount for your numbers.
Why do lenders use DTI?
DTI helps them judge whether the budget can carry another payment. It is one of many factors — lenders also use scoring, credit history, and rate-stress buffers.
Where does the currency in the results come from?
Amounts and formatting follow the currency set in the page header. Changing it updates the display.