FREE CALCULATOR · CREDIT & BUDGET
Debt-to-income ratio
Understand your estimated ratio before a lender conversation.
Estimated debt-to-income ratio36.5%
- Housing-only ratio
- 30%
- Total monthly debts
- $3,650
- Gross monthly income
- $10,000
No approval cutoff is assumed. A lender must calculate qualifying income and obligations for the specific program.
Educational estimate only. Qualifying income, included obligations, and allowed ratios vary by lender and program. This ratio does not include every living expense and is not an approval decision. Inputs are calculated in your browser and are not submitted to a lender. “Save my inputs” stores them on this device.