Debt-to-Income Ratio Estimate
Debt-to-Income Calculator
Estimate your current debt-to-income ratio and preview how a possible new monthly loan payment could change it.
Enter Monthly Financial Information
Enter income before taxes, insurance, retirement contributions, and other payroll deductions.
Enter the monthly housing payment you want included in this estimate. Enter 0 or leave blank if none applies.
Include recurring debt payments such as auto, student, personal-loan, and minimum credit-card payments. Lenders may calculate obligations differently.
Optional. Enter a possible new loan payment to preview a projected DTI ratio. Enter 0 or leave blank to view current DTI only.
These input limits are calculator safeguards. They do not represent lender approval rules, required income, acceptable debt levels, or guaranteed loan terms.
Estimated Results
Estimated Projected DTI Ratio
41.7%
Elevated projected debt load
The projected ratio deserves careful review. Consider comparing a smaller proposed payment or longer repayment term before making a borrowing decision.
Planning signal only. Lender calculations and limits vary.
DTI compares monthly debt payments with gross monthly income. It does not subtract taxes or ordinary living expenses such as groceries, utilities, transportation, insurance, maintenance, or savings.
How This DTI Estimate Works
The current DTI estimate divides the entered housing payment and other monthly debt payments by gross monthly income. Gross income generally means income before taxes and other payroll deductions.
The projected DTI estimate adds the proposed new monthly payment before dividing total projected debt payments by gross monthly income.
Different lenders and loan products may use different debt definitions, documentation rules, and DTI limits. A displayed ratio is not an approval decision and does not predict a specific lender’s result.
MYLOANPREVIEW provides educational estimates only and is not a lender, broker, credit repair company, or financial advisor. Actual affordability, underwriting, approval decisions, rates, and loan terms may vary.
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Related guide
What Is Debt-to-Income Ratio?What is included in a DTI ratio?
DTI generally compares recurring monthly debt payments with gross monthly income. The exact obligations included may vary by lender, loan product, and underwriting method.
Why does this calculator show current and projected DTI?
Current DTI uses the housing and other debt payments already entered. Projected DTI adds a possible new monthly payment so you can preview how additional debt may change the ratio.
Is there one DTI limit used by every lender?
No. Different lenders and loan products may use different limits and underwriting requirements. A ratio displayed here does not guarantee approval or denial.
Does using this calculator affect my credit score?
No. The calculator does not request a credit report, perform a credit check, or submit a financing application.