Debt-to-Income Ratio Calculator guide
Debt-to-Income Ratio Calculator: What Lenders See
Use our debt-to-income ratio calculator to work out how much of your income goes on debt repayments, a key figure for mortgage and loan applications.
By the AllCalculator editorial teamUpdated 16 October 20261 min read
Your debt-to-income ratio (DTI) shows what share of your income goes on debts. Lenders use it to judge whether you can afford more borrowing. Our Debt-to-Income Ratio Calculator works it out.
How to use the calculator (Debt-to-Income Ratio Calculator)
- Enter your gross monthly income, before tax.
- Enter your mortgage or rent.
- Enter your loan, car finance, credit card and other debt payments.
The formula
DTI = total monthly debt payments ÷ gross monthly income × 100
A worked example
With the calculator's default settings, a gross income of £3,500 a month, with £950 rent, £280 loan payments and £90 card payments:
- Total debt payments: £1,320
- DTI: 37.7%
What's a good ratio?
| DTI | General guide |
|---|---|
| Under 36% | Usually seen as manageable |
| 36–43% | On the high side |
| 43–50% | High |
| Over 50% | Very high |
There's no official UK cut-off. Lenders also do a full affordability check of your spending and look at your credit history.
Frequently asked questions
How can I lower my DTI?
Pay down debts, especially those with high monthly payments, or increase your income.
Does it include bills?
Usually only debt payments and housing costs, not utilities or food. Lenders check those separately.
Sources and further reading
Links open official and independent websites in a new tab.
This guide is general information to help you understand your options. It isn't financial, tax, legal or building advice and doesn't take your personal circumstances into account. Figures were checked when the guide was last updated and can change, so confirm anything important with GOV.UK, HMRC, a regulated adviser or a qualified tradesperson.