Calculator

DTI Calculator

Estimate and compare key US home-finance numbers. Results are estimates for education and planning.

Calculator

Gross monthly income

Mortgage payment

Car payment

Student loans

Credit card payments

Other recurring debt

Results

Total monthly debt—

DTI ratio—

DTI compares recurring monthly debt obligations with gross monthly income. Different loan programs use different underwriting rules.

How Does This Calculator Work?

DTI compares recurring monthly debt obligations with gross monthly income. Different loan programs use different underwriting rules.

How to Use This Calculator

Enter realistic values.
Review the estimated result and assumptions.
Change inputs to understand sensitivity.
Confirm transaction-specific numbers with current official or lender documents.

Important Assumptions

Inputs are user-supplied.
Results are estimates, not approvals or quotes.
Taxes, insurance, PMI, fees and lender rules can vary.

Methodology

HomeCalc uses standard mathematical loan-payment and ratio calculations where applicable.

Selected authoritative references

Sources are educational references. Rules and lender requirements can change; verify current terms with the relevant agency or lender.

Last updated: August 30, 2026