Debt-to-Income Ratio
The ratio lenders use to decide how much you can borrow.
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Step by step
The formula
DTI = total monthly debt payments ÷ gross monthly income × 100
Debt-to-income compares what you owe each month against what you earn before tax. Lenders lean on it heavily because it measures capacity to take on more debt far better than income alone — someone earning well with heavy commitments may borrow less than someone earning less with none.
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Example calculations
Common questions this calculator answers — select one to load its values.
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Frequently asked questions
Is this gross or net income?+
Gross — income before tax and deductions. It feels generous, but it is the figure lenders use, so matching their method gives you a number you can compare against their thresholds.
Which debts count?+
Regular committed repayments: mortgage or rent, car finance, student loans, personal loans and minimum credit card payments. Groceries, utilities and subscriptions are living costs, not debt.
What is the 28/36 rule?+
A traditional guideline that housing should stay under 28% of gross income and total debt under 36%. Many lenders now allow up to 43% for a qualified mortgage, but the lower figures leave far more breathing room.
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