Debt-to-Income Ratio Calculator
Divide recurring monthly debt payments by gross monthly income. Compare the housing-only ratio with the total-debt ratio.
Verify this calculatorVerified
See what the result uses—and what it cannot know.
Sumvoro calculates deterministically from the visible inputs. It does not invent lender terms, local rules, market values, medical facts, or professional judgments.
- 1 · InputsCheck every entered value against the latest statement, quote, measurement, or official source.
- 2 · Formula
Housing ratio = monthly housing payment ÷ gross monthly income × 100. Total DTI = (housing + other monthly debt payments) ÷ gross monthly income × 100. - 3 · SensitivityUse Insights to run a lower and higher case. If the conclusion changes easily, collect better information or leave more margin.
- 4 · ScopeThis tool is maintained and covered by automated calculation tests. Provider timing, rounding, and omitted facts can still change a real-world result.
- Formula release
- 2026.10-r4
- Release date
- October 10, 2026
- Review status
- Verified
- Source review
- October 14, 2026
Optional readingLearn how this calculator works
How the debt-to-income ratio calculator works
Divide recurring monthly debt payments by gross monthly income. Compare the housing-only ratio with the total-debt ratio.
Housing ratio = monthly housing payment ÷ gross monthly income × 100. Total DTI = (housing + other monthly debt payments) ÷ gross monthly income × 100.
Read our calculation methodology and limitations.
Example
With $8,000 gross monthly income, $2,000 housing and $600 other debt payments, the housing ratio is 25% and total DTI is 32.5%.
What affects the result
- Use required monthly payments, not outstanding debt balances.
- Gross income is before payroll deductions.
- DTI does not include every living expense and is not a complete affordability budget.
Frequently asked questions
Do I enter my credit-card balance or payment?
Enter the recurring monthly payment required for the comparison, not the entire outstanding balance.
Does a low DTI guarantee approval?
No. Lenders also consider credit, assets, income documentation and their own limits.
Where do groceries and utilities go?
They belong in your spending budget, not usually this debt ratio. Leave room for them when assessing affordability.