How to use
- Replace the example inputs with your loan and property figures.
- Select Calculate to update the estimate and any schedule.
- Change one assumption at a time, then compare the result with the earlier scenario.
How this calculation works
Annual gross income is divided by twelve. The housing ratio divides the housing payment by gross monthly income. The total ratio adds the other monthly debt payments before dividing by income. Each result is multiplied by one hundred.
DTI = (monthly housing + other monthly debt) ÷ gross monthly income × 100
Worked example
Illustrative inputs — not a quote or a local average.
- Gross annual income
- $100,000.00
- Monthly housing payment
- $2,400.00
- Other monthly debt payments
- $500.00
Total debt-to-income ratio: 34.8%. Housing-to-income ratio: 28.8%. Gross monthly income: $8,333.33.
Reading the result
Use the same income basis for every scenario. A household using take-home pay in one comparison and gross pay in another will see a misleading change. A lower ratio can come from reducing debt or increasing qualifying income, but your available cash after tax is a separate question.
Before acting on the estimate
Enter monthly payment obligations, not the outstanding balances on your cards or loans. Lenders can treat income and debts differently, so use their required amounts when checking a quote. Living costs such as food and childcare still matter even if they are outside the ratio.
Questions, answered
Does DTI measure my credit score?
No. It measures the relationship between entered debt payments and income.
Should property tax be in housing?
Include the property expenses that apply to your housing payment when building the input.