Debt-to-Income Ratio Calculator
Calculate your DTI percentage to understand your financial health and see how lenders view your ability to manage monthly payments.
Income & Debt Details
Enter your monthly figures.
Income before taxes and deductions.
DTI Analysis
Your DTI Ratio
42.00%
Manageable
Your total monthly debt is GBP 2,100.00. With a gross monthly income of GBP 5,000.00, your Debt-to-Income ratio is 42.00%.
DTI Ratio
ManageableTotal Monthly Debt
GBP 2,100.00
About This DTI Calculator
Your Debt-to-Income (DTI) ratio is one of the most important metrics lenders use to evaluate your financial health. It compares how much you owe each month to how much you earn. A lower DTI indicates a good balance between debt and income, making you a more attractive candidate for mortgages, personal loans, and credit cards.
Our calculator helps you quickly determine your DTI percentage, assess whether your current debt load is manageable, and calculate the maximum monthly debt you can take on while staying within a healthy range.
How to Use This Calculator
- 1
Choose your calculation type
Basic DTI gives you a single overall ratio from all your debt payments. Back-End DTI shows your front-end (housing only) and back-end (all debt) ratios side by side - the format lenders use. Max Debt tells you the maximum monthly debt you can carry at a target DTI percentage.
- 2
Enter your gross monthly income
Use your income before tax and deductions. Lenders always assess DTI on gross figures. If you have variable income, use an average of your last three to six months.
- 3
Enter your monthly debt payments
Include all contractual debt obligations: rent or mortgage, car finance, student loans, personal loans, and minimum credit card payments. Do not include utilities, subscriptions, or groceries - only recurring debt payments.
- 4
Assess your ratio
A DTI of 35% or below is excellent. Between 36-43% is manageable but may limit borrowing options. Above 43% is considered high risk by most lenders. Use the Max Debt tab to find out exactly how much headroom you have.