Debt-to-Income Ratio Calculator

Making sure your debt load is balanced to your income level.

Debt-to-income ratioCalculating your personal debt-to-income ratio is fast and easy with the right tools. Consolidated Credit is here to help with a handy free debt-to-income ratio calculator. Simply use your budget to help fill in the required numbers below and click “CALCULATE” to determine your DTI ratio. The notes that appear after the calculator can help you understand what your ratio means. Return to this page to periodically check your debt ratio particularly if there is a change in your income or if you have a period where you take on a large amount of new debt at once.

Once you’ve calculated your debt-to-income ratio, you can use the number to decide if you need debt help. If you do, give us a call at today to speak with a certified credit counselor about your finances for free. You can also get started online with a request for a Free Debt Analysis.

Note: All values required below are monthly. If you receive income and/or make payments on a different schedule, determine how much you pay on a monthly basis to enter the values below.

Monthly Income

Monthly Debt Payments

*Income and Payments Required

Result

Your debt-to-income ratio: