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Debt-to-Income Calculator

Your debt-to-income (DTI) ratio tells you how financially healthy 💖 you are and helps you figure out your mortgage eligibility. To calculate your DTI, enter your gross monthly income & your monthly debts. Then sit back (relax) and watch the magic ⚡ happen!* *Calculations are estimates based on the information you enter. They are not recommendations.

Calculate My Ratio

Your Income

(What’s this?)

Sources of income can include earnings from a job or even financial gifts, like cash from a relative.

Your Debt

(What’s this?)

Monthly debts are recurring debts. A one-off payment doesn’t typically feature in this calculation.

Your debt-to-income ratio…

❓   Curious what your debt-to-income (DTI) ratio is? Enter your figures and find out!

Learn About DTI

🟢   On Track – Hey money maestro! You’re right on track for your house-buying journey! Make sure you have all the information you need to make the right choice.

How much can I afford?

🟢   On Track – You’re right on track for your house-buying journey!

How much can I afford?

🚨   Above Recommended DTI – Some lenders have different requirements to qualify but it’s worth looking into your credit and finding out what you can afford within your budget.

Learn About DTI

🚨   Too Much Debt – Seems like you’ve got a little too much debt to qualify with the income you’ve put in! Do you want to try again?

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