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PAYMENTS & COMPARISON

Debt-to-income ratio calculator

Calculate housing and total debt ratios using your inputs.

Example values are editable scenarios, not current offers. Enter your actual quoted terms.

Enter your scenario and select Calculate.

How this estimate works

Gross income is before taxes. Enter all monthly debt obligations and the proposed total housing payment. No approval threshold or eligibility decision is implied.

Results use unrounded intermediate amounts; display and CSV round to cents. Actual lender rounding and day counts can differ. Inputs are calculated locally and are not submitted to our server.

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Scenario schedule

Periods are monthly unless this calculator specifies a different payment frequency. A final balloon is included in the final payment. See the model assumptions above.