How do I calculate debt-to-income? Enter your numbers above and the result updates instantly. For example: Gross monthly income: $7,500 · Rent / mortgage payment: $1,900 · All other monthly debt payments: $650 → Debt-to-income ratio: 34%.
Is this Debt-to-Income Calculator free? Yes — completely free with no sign-up or paywall. It runs entirely in your browser and keeps working offline; the numbers you enter never leave your device.
How accurate is it? It uses the standard published formula for debt-to-income. Results are estimates for planning — not financial, tax, medical, engineering, or legal advice.