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Calculate DTI

DTI = total monthly debt payments ÷ gross monthly income × 100.

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Answer

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DTI = total monthly debt payments ÷ gross monthly income × 100.

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Precision and calculation record
Rounding changes displayed numbers, not the calculation. Text, fractions, matrices and CSV schedules keep their own formatting. Automatic keeps up to 12 significant digits, with money shown to cents where applicable.
Step-by-step calculation
Inputs are substituted below. Each line evaluates the next operation; intermediate values are displayed to 12 significant digits while the calculation uses full precision.
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    Formula and assumptions
    Use gross income before deductions. Lenders differ in which payments and income they count; this ratio does not establish eligibility.
    Automatic precision shows numbers to 12 significant digits. Thousands separators such as 1,000 are accepted; use a dot for decimals.
    Scratch calculator
    Use +, −, ×, ÷, parentheses and %. A percentage is divided by 100. This does not change the main tool.
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    Updated 
    Using Calculate DTI
    DTI = total monthly debt payments ÷ gross monthly income × 100.
    Use gross income before deductions. Lenders differ in which payments and income they count; this ratio does not establish eligibility.
    Next: Mortgage calculator
    A worked example
    With monthly debt payments = 1500, gross monthly income = 5000, the debt-to-income ratio (%) is 30.
    Next: Calculate LTV
    Before you use the result
    Use gross income before deductions. Lenders differ in which payments and income they count; this ratio does not establish eligibility.
    Example results for monthly debt payments
    These examples use Gross monthly income: 5000. They are reference calculations, not recommended settings.
    Monthly debt paymentsDebt-to-income ratio (%)
    75015
    150030
    300060
    Cite this page
    ToolOctopus. “Calculate DTI.” Updated 2026-09-26. https://tooloctopus.com/dti-calculator.
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