Monthly debt total
$2,550
Sum of housing and all other monthly debt payments entered above.
Finance calculator
DTI Calculator
Calculate debt-to-income ratio from gross monthly income and recurring monthly debt payments using the CFPB definition.
Gross monthly income
$6,000
Income before taxes and other deductions are taken out.
Remaining gross income
$3,450
Gross monthly income left after the monthly debts entered here.
Annual gross income
$72,000
Monthly gross income multiplied by twelve.
Scope note
This page calculates DTI using the CFPB definition only. It does not tell you whether a lender will approve a loan, because different lenders and loan products can apply different DTI limits and underwriting rules.
What this page is based on
The Consumer Financial Protection Bureau defines DTI as all your monthly debt payments divided by your gross monthly income. This page uses that definition directly rather than layering in lender-specific assumptions.
Official reference checked on April 10, 2026: CFPB debt-to-income ratio definition.
What this calculator does not do
It does not decide whether your ratio is acceptable for a mortgage, refinance, or personal loan. Different loan products and lenders can use different DTI thresholds, and they may consider assets, credit profile, reserves, and housing context as well.
Frequently asked questions
What is a debt-to-income ratio?
The CFPB defines debt-to-income ratio as all your monthly debt payments divided by your gross monthly income. It is one way lenders measure your ability to manage monthly borrowing payments.
What does gross monthly income mean here?
Gross monthly income is generally the amount you earn before taxes and other deductions are taken out. This page follows that CFPB framing.
Does this calculator tell me whether a lender will approve me?
No. Different lenders and different loan products can use different DTI limits, and many of them consider more than DTI alone.
Should housing payment be included in DTI?
Yes, if it is part of your monthly debt obligation. This page includes a housing payment field so the full monthly debt total can be used in the ratio.
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