Source: https://adamou-financial-consulting.vercel.app/tools/debt-to-income/

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Debt & borrowing

 

# Debt-to-income calculator

 

See what share of gross monthly income goes to debt payments.

  [ 
    
   Use the calculator
](https://adamou-financial-consulting.vercel.app/#tool-ratio) [ 
    
   Before you begin
](https://adamou-financial-consulting.vercel.app/#prepare) [ 
    
   See an example
](https://adamou-financial-consulting.vercel.app/#worked-example)  

Private calculations in your browser. No account required.

 

Your calculator

Debt-to-income

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EXPLORE YOUR NUMBERS

## Debt-to-income

See what share of gross monthly income goes to debt payments.

Gross monthly income 

(USD)

Monthly mortgage or rent payment 

(USD)

Other required monthly debt payments 

(USD)

CalculateReset example

Example values are shown. Change them to explore your situation.

How this estimate works

Debt-to-income percentage = (housing payment + other monthly debt payments) ÷ gross monthly income × 100.

This scenario includes your housing payment plus other required debt payments. Gross income is before deductions. It is not a credit assessment or lending decision; lender definitions and included obligations vary.

 

BEFORE YOU BEGIN

 

## Bring the right numbers.

 

Estimates are enough to explore. Keep every money amount in the same
        selected currency.

   
- 01

 

Gross monthly income before deductions.

- 02

 

A single monthly housing payment.

- 03

 

Other required debt payments, excluding the housing payment already entered.

 

MAKE THE RESULT USEFUL

 

## What to look for.

 

Use income and required payments from the same month, and count each payment once. This ratio uses gross income, so it does not show the cash left after taxes and living expenses. Use the budget tool for that view.

 [
Discuss your next step with Matt
](https://adamou-financial-consulting.vercel.app/contact/?goal=goals) 

Your calculator inputs are not included in your inquiry.

   

WORKED EXAMPLE · USD

 

###  Housing and debt share of gross income: 33.3% 

   Gross monthly income  $6,000.00   Monthly mortgage or rent payment  $1,500.00   Other required monthly debt payments  $500.00    

$2,000.00 in monthly payments from $6,000.00 gross income. Not a lending decision.

 

The example matches the starting inputs. It is an illustration, not a
        recommendation.

 

TRY ANOTHER SCENARIO

 

## 
Change one thing.
  Notice the difference.

   

Change one monthly debt payment while keeping income unchanged. Compare the ratio, then review your full monthly budget; this percentage does not include all living costs.

 [
Return to your numbers
](https://adamou-financial-consulting.vercel.app/#tool-ratio) 

Changing inputs here does not send them to Matt or save them between
        visits.

 

A FEW THINGS YOU MAY BE WONDERING

 

## 
Good questions.
  Clear answers.

     Is this the ratio a lender will use? 

  

Not necessarily. Lenders can use different income definitions and payment rules. This calculator includes the housing payment and other debt payments you enter; it does not estimate approval or eligibility.

   What if my income is zero? 

  

A ratio cannot be calculated with zero income. The tool shows no ratio rather than an infinite percentage. A ratio above 100% is possible when entered payments exceed gross income.

 

KEEP EXPLORING

 

## Build a fuller picture.

 

Three related tools for your next question.

  [
View all tools
](https://adamou-financial-consulting.vercel.app/tools/)   [ 

 

### Monthly budget

 

See what’s left after your monthly commitments.

 ](https://adamou-financial-consulting.vercel.app/tools/monthly-budget/)[ 

 

### Debt payoff

 

Compare what a fixed monthly payment could mean for one balance.

 ](https://adamou-financial-consulting.vercel.app/tools/debt-payoff/)[ 

 

### Loan payment

 

Estimate the monthly principal and interest for a fixed-rate loan.

 ](https://adamou-financial-consulting.vercel.app/tools/loan-payment/)