About This Calculator
This debt-to-income ratio calculator helps you understand your current financial position by comparing your monthly debt payments to your income. Enter your net monthly income and all recurring debt obligations to calculate your DTI percentage.
Important note: This calculator uses net income (after taxes). Traditional US DTI calculations use gross income (before taxes). For the standard US DTI formula and step-by-step calculation guide, see How to Calculate Your Debt-to-Income Ratio.
How to Use This Calculator
1. Enter your monthly net income (after taxes)
2. Add any additional stable income (optional)
3. List all your current monthly debt payments
4. Choose your preferred maximum percentage (30%, 35%, or 40%)
5. Click "Calculate Capacity" to see your results
Understanding Your Results
The calculator provides three key metrics:
- Current DTI: Your actual debt-to-income ratio based on your inputs
- Maximum recommended payment: The healthy limit based on your chosen percentage
- Available capacity: The margin you have for a new monthly payment
For detailed information about what DTI measures and why lenders use it, see What Is Debt-to-Income Ratio.
Frequently Asked Questions
How accurate is this DTI calculator?
This calculator provides accurate mathematical results based on the data you enter. However, it uses net income while traditional US DTI calculations use gross income. For precise US DTI calculations, use gross income (before taxes) as described in our DTI calculation guide.
What should I include in monthly debts?
Include all recurring monthly debt obligations: mortgage/rent, car loans, credit card minimum payments, student loans, personal loans, and required alimony or child support. Do not include utilities, groceries, or living expenses.
Why does this calculator use net income?
This calculator uses net income (after taxes) for practical usability. Traditional US DTI calculations use gross income (before taxes). The percentage relationship between debts and income remains useful regardless of which income measure you use, but for official US lending calculations, gross income is the standard.
What do the percentage options (30%, 35%, 40%) mean?
These are educational reference percentages representing different risk levels. 30% is conservative, 35% is moderate, and 40% is more flexible. Choose the percentage that aligns with your risk tolerance and financial goals. These are not universal banking standards.
Does this calculator guarantee loan approval?
No. This tool provides an educational and informational estimate based on the data you enter, but does not constitute a credit offer or guarantee approval of any loan. The final decision depends on each financial institution, which evaluates additional criteria such as credit history, employment stability, and internal risk policies.
Bryxo offers educational financial tools to help you understand your debt-to-income ratio, your payment capacity, and how much credit you could assume based on your current income and debts.
The results are indicative estimates and do not represent a credit offer or personalized financial advice; they may vary depending on the financial institution. Content reviewed by Bryxo's financial education team, with methodology based on standard debt-to-income ratio (DTI) formulas and French amortization. Last updated: .
Reviewed by Bryxo's financial education team · Last updated: · Methodology based on standard debt-to-income ratio (DTI) and French amortization formulas — free calculation, no registration required.