Example 1
- Gross income: 6,000
- Current debts: 1,200
- No new payment
DTI 20%
Lower debt load
Current situation only - comfortable band (guidance).
DTI calculator
Type 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%.
DTI = debts ÷ gross income. Bands ≤33 / 33-50 / ≥50 are indicative. Guidance, not a credit decision. Inverted amount: borrowing capacity.
Result
Monthly gross income, Current monthly debt payments, Planned new monthly payment (optional) and Housing / rent / mortgage. The result shows up here.
How results are calculated
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.
People check whether a new mortgage fits a cap. A breakdown under Additional options overwrites the current-debts field when you fill it. Example 3: 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 cards (min. payments), Personal / cash loans, Car loan / lease, Other monthly debts, and Co-borrower monthly gross income. The result is current DTI, DTI after the new payment, the change in points, and income after debts.
Borrowing capacity takes the same kind of cap, for example 40%, and inverts a payment into an amount: 1,700 from 8,000 and 1,500 is about 240,528. Here you stay with a percent. LTV, loan to value, the loan divided by the property value, is a different scale and lives on the LTV page. Header currency only labels the amounts.
A comma and a period in 1800.5 mean the same number. The calculator waits for positive income. Zero debts give DTI 0%. This is teaching guidance, not a score and not a credit decision.
Type 6,000 and 1,200, click 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
- Type 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.
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
The new payment lifts DTI sharply - still in the moderate band.
Example 3
- 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
Related calculators
FAQ
What DTI at 1,200 of debts and 6,000 income?
20%. 1200 / 6000 = 0.20. With no new payment the band is the lower one, through 33%.
What does a new 1,800 payment do at 7,000 and 800 current?
Current DTI ≈ 11.43%. After the payment 2600 / 7000 ≈ 37.14%. Change about +26 points.
Where do about 51% and 67% come from in example 3?
Breakdown 1600 + 400 + 500 + 300 = 2800. 2800 / 5500 ≈ 50.91%. Plus a new 900 is 3700 / 5500 ≈ 67.27%.
What does DTI, debt to income, mean?
Payments over income: monthly debts divided by gross income. A percent here, with no inverted loan amount.
Is 37% a credit decision?
No. The 33 and 50 bands are indicative. An offer may cut at another line. Guidance, not a score.
When does the breakdown overwrite 1,200?
When you fill housing, cards, personal, car, or other. The options sum replaces Current monthly debt payments.
How does co-borrower income work?
It adds to Monthly gross income. The same 2,800 on 5,500 + 4,000 would be 2,800 / 9,500 ≈ 29%.
How is this different from borrowing capacity?
Here a percent. There a cap, for example 40%, becomes payment 1,700 and a loan of about 240,528.
Does a comma in income work?
Yes. 6000,5 and 6000.5 are the same income. Header currency only labels the amounts.
Is 80% LTV the same as 20% DTI?
No. LTV is loan over property value. DTI is payments over income. Different scale, different page.
Knowledge sources
DTI is debts over income from your amounts. The bands are indicative, not a credit decision.
Page updated in 2026.