Global Debt-to-Income Ratio Tool
Calculate your DTI, see your financial health, and plan new debt – no currency symbols, just numbers.
Income
Existing Monthly Debt Payments
Proposed New Loan (Optional)
All figures in USD
Current DTI
0%
debt / income
Status
--
good / fair / poor
DTI with New Loan
0%
including proposed
Max New Payment (36%)
0
to stay ≤36% DTI
✨ NOTE: This tool provides estimates for educational purposes only. Lenders may use different DTI thresholds and consider other factors.
📊 Formulas:
• Monthly income = income amount / (1 if monthly, 12 if yearly).
• Current DTI = (monthly debt / monthly income) × 100%.
• Status: Good ≤36%, Fair 37–43%, Poor ≥44%.
• DTI with new loan = (monthly debt + proposed payment) / monthly income × 100%.
• Max new payment for 36% DTI = (monthly income × 0.36) – monthly debt (if positive).
🔒 Privacy first: All calculations happen locally in your browser. No data is sent to any server.
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