Debt-to-Income Ratio Calculator
Debt-to-income ratio compares recurring monthly debt payments with gross monthly income. Lenders use different definitions and thresholds across countries.
How to use this tool
Enter reasonable assumptions, select a currency where available and review the result as a general planning illustration. It does not account for every product term, tax rule, fee, law or personal circumstance.
International use and limitations
This tool is designed for a global audience. Financial, insurance and lending rules vary by country, state or province. Check local regulations and consult an appropriately authorised professional before acting.
Frequently asked questions
What is debt-to-income ratio?
It is monthly debt payments divided by gross monthly income, expressed as a percentage.
Does a low ratio guarantee approval?
No. Providers also consider credit history, affordability, assets, employment and local lending rules.
Educational information only: This calculator is not financial, investment, legal, tax, lending or insurance advice.