Tools

Debt-to-income calculator

Gross income, proposed housing, and the debts that actually count. Toggle the conventional 0.5% student-loan recast — that is the number that surprises first-time buyers on $0 IDR. Read the DTI guide first if the ratio is new.

Quick answer: This calculator divides monthly housing and other debts by gross monthly income. The sample uses $90,000 of gross pay, $2,100 of housing, and the other debts already filled in. It lines those ratios up next to conventional, FHA, VA, and USDA screens that are guidelines, not a loan approval.

Gross annual income Other monthly gross (side gig, alimony received) Proposed housing PITI + HOA + MI / month

Auto loans / month Credit-card minimums / month Student-loan balance How should student loans count? Documented student payment / month Other debts / month (support, 401(k) loan, personal)

Your file

Program	Front limit	Back limit	This file

Educational estimate. Overlays, credit score, and reserves can stretch or shrink these ceilings. Not a pre-approval. 90-day sequence: PayPal playbook.

What this means for you

What this means for you: a ratio under a guideline is not a budget that feels safe. Housing in the front-end ratio is the PITI you typed, not take-home. Student loans follow the rule you pick on the form. Pair the payment with the mortgage calculator before you shop.

How to use this calculator

Open the Debt-to-income calculator and keep the sample numbers or replace them with your own. The result updates as you type.
Read the headline figure first, then the breakdown or chart under it.
Use Copy share link if you want those inputs in the URL. The page is an educational estimate, not a filing, approval, or recommendation.

FAQ

What is debt-to-income?

Monthly debt payments divided by gross monthly income, expressed as a percent.

Do the 28/36 and 31/43 figures approve my loan?

No. They are common program screens shown for comparison. A lender applies its own rules, credit, and reserves.

Should I use gross pay or take-home?

These ratios use gross income, which is the usual underwriting base. Take-home is what you actually spend.

Educational, not financial advice. Page updated October 24, 2026 — no tax, limit, or rate figure was changed in this review.