Metric Unit Calculator
The formula, your substituted values, and the evaluated result are shown below.
Udemy is an AI-powered skills acceleration platform transforming how companies and individuals across the world build the capabilities needed to thrive in a rapidly evolving workplace.
View offerAffiliate link — we may earn a commission at no extra cost to you.Calculate debt-to-income ratio calculator using clearly labelled financial inputs and an instant result.
This calculator measures how much of your gross monthly income goes to debt repayments:
DTI (%) = monthly debt payments ÷ gross monthly income × 100
Include the minimum repayments on all debts: home loan or rent-to-own, car loans, personal loans, credit cards, Buy Now Pay Later and student debt repayments.
| Repayment DTI | General reading |
|---|---|
| Under 30% | Comfortable for most households |
| 30–40% | Manageable, but watch your spending |
| 40–50% | Stretched; limited buffer for rate rises |
| Over 50% | High risk of financial stress |
These are general guides, not lending rules.
The figure here is the repayment ratio, common in the US and in budgeting. Australian lenders and regulators also use a second measure: total debt ÷ gross annual income. For example, $540,000 of debt on a $90,000 income is a DTI of 6. Loans at six times income or more are considered higher risk and get extra scrutiny.
For repayments, under about 30% of gross income is generally comfortable. Above 40–50% leaves little buffer.
For budgeting, include rent as a housing cost. Lenders assessing a new home loan look at your existing debts and the proposed loan.
Often as total debt divided by gross annual income. Six times income or more is considered high.