Debt-to-Income Calculator
Calculate debt-to-income ratio
Calculate your debt-to-income ratio (DTI): the share of your gross monthly income that goes to debt payments. Lenders use it to assess loans; you need your gross income and monthly debt payments.
Calculate your debt-to-income ratio
Result
Debt-to-income ratio
41.67%
- Monthly debt payments
- €1,250.00
- Income after debt payments
- €1,750.00
Your ratio is above 40%: many lenders consider this level of debt high.
Formula version: 1.0.0
How to use the debt-to-income calculator
- Enter your gross monthly income.
- Add up your monthly mortgage or rent, loan, card and other debt payments.
- Review the percentage and what's left after debt payments.
Debt-to-income formula
DTI = monthly debt payments / gross monthly income × 100
The lower the ratio, the more room you have for surprises and the easier it is to get financing.
Debt-to-income example
With €3,000 of gross income and €1,250 of payments (€900 housing, €250 loans and €100 cards), your ratio is 41.67%.
Illustrative example with the data shown; not a guaranteed outcome.
Assumptions and limitations
- Gross income, before taxes.
- Thresholds vary by lender; 40% is only a rough reference.
Frequently asked questions
What ratio is recommended?
As a guide, many lenders prefer it to stay below 35–40%, although each applies its own criteria.
Should I include rent?
Yes, to see your total fixed payments; some lenders only count debts.
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