Debt-to-Income Calculator
Monthly debt vs income.
Estimates only — always confirm the figures with your lender or a licensed professional before you commit.
This tool gives approximate results for planning only. It is not financial advice. Verify every number against your official loan, tax, or payroll documents.
Enter the values and press Calculate.
How to use Debt-to-Income Calculator
Debt-to-income compares your monthly debt payments to your monthly income. This tool shows it as a percent.
Open Debt-to-Income Calculator on toolpermarket and enter your values above.
Enter your monthly debt and monthly income in the fields above, then press Calculate.
Read the result below the form. You can change any input and press Calculate again to compare scenarios.
Worked example. Paying $2,000 of debt on $8,000 of income is a 25 percent ratio.
When to use Debt-to-Income Calculator. Use it before applying for a loan, since lenders watch this ratio closely.
When you actually reach for this
- Use it before applying for a loan, since lenders watch this ratio closely.
Where this tool stops being accurate
- It is a snapshot of the amounts you type; it does not forecast market moves, income changes, or future spending.
- Figures are only as good as your inputs - omitting a debt or asset changes the picture.
Frequently asked questions
What is a healthy ratio?
Many lenders prefer below 36 percent, though it depends on the loan and the lender. For anything binding, check with a qualified professional about your specific situation.
What if income is zero?
The ratio is undefined, so the tool asks for a positive monthly income. For anything binding, check with a qualified professional about your specific situation.
Is this a substitute for a full financial plan?
No. It gives a quick read from the numbers you provide, but a full plan also weighs risk, taxes, and time horizon. For anything binding, check with a qualified professional about your specific situation.