Calculate your DTI ratio from gross monthly income and recurring monthly debt payments.
DTI is calculated from the values entered here. Lenders and financial institutions may define income, debts and qualifying payments differently.
The EKO24 Debt-to-Income Ratio Calculator compares recurring monthly debt payments with gross monthly income. It can help you understand how much of your monthly income is committed to the debts you enter.
Total DTI is calculated by dividing total listed monthly debt payments by gross monthly income, then multiplying the result by 100.
You can enter housing payments, auto loans, credit card minimum payments, student or personal loans and other recurring required debt payments.
Different lenders may use different definitions, exclusions and underwriting rules. This calculator provides a planning estimate and is not a lending decision or approval.