Loading…
Loan calculator
Estimate debt-to-income ratio from annual income, mortgage terms, and other monthly debt payments.
See how estimated annual mortgage and other debt payments compare with gross annual income.
How to read these results
These values are calculated from your current inputs. Check the input units and this calculator’s stated assumptions or included scope alongside the results.
Primary result: Debt-to-income ratio
Supporting value: Mortgage monthly payment
Use the result for your next decision
Compare the primary result with your target or another option, then change only the conditions you want to test and recalculate. Before acting, also check the calculator-specific guidance and applicable conditions.
Keep up to three calculated result snapshots only for this page session and compare them with the current result. Inputs, URLs, and browser storage are not used.
Shares only the calculator name and displayed result summary. Inputs and URLs are not included or stored.
Uses your browser’s print feature without uploading or automatically saving your inputs or results.
A planning estimate assuming level mortgage payments plus the other monthly payments entered.
Calculate to see estimated DTI and debt-payment amounts.
Debt-to-income ratio compares estimated annual mortgage and other debt payments with gross annual income.
DSR generally counts principal and interest across all loans, while DTI is a separate mortgage-focused underwriting measure.
Enter monthly payments for debts other than the mortgage scenario, such as personal loans.
No. Actual underwriting depends on lender and regulatory rules.