Debt-to-Income (DTI) Ratio Calculator

How To Use
This Debt-to-Income Ratio calculator is provided to help you determine the percentage of how much you pay each month for your mortgage(s) compared to your total monthly gross income.

This calculator returns information based on your inputs regarding your existing mortgage information. It is important that you provide accurate information in order to receive more realistic results.

Your Existing Mortgage Information
Total First Mortgage Monthly Payment(s) This should include your first monthly mortgage payment, as well as any additional mortgage payments you may have. It should also include principal, interest, taxes, insurance and homeowner's association fees. If you have an escrow account set up on your first mortgage, these costs will be included in your monthly payment. If not, click here and fill in the information below.
Monthly Payment (Principal & interest only)
Annual Property Taxes
Annual Property Insurance
Annual Homeowner's Association (HOA) Fees (If applicable)
Your Income Information
Gross Monthly Income If you are unsure of this amount, click here and fill in the information below.
Your Annual Salary
Spouse or Partner's Annual Salary (If he/she is a co-borrower on your mortgage)
Other Annual Income Before Taxes (For example, investment or rental income, etc.)
Calculate Results

Please Note:
These results have been calculated based on your inputs regarding your existing mortgage information. Your mortgage company may consider additional factors in determining your Debt-to-Income Ratio.

Please save this information (as a PDF document) or email it to yourself, so that you may have it as a reference when you speak with your mortgage company or a housing counselor.

Every situation is different. Contact your mortgage company or a housing counselor to determine your exact results and truly know your options.

Your Debt-to-Income Information
First Mortgage Monthly Payment	$0.00
Total Gross Monthly Income	$1.00
Your Debt-to-Income Ratio	0.0%
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Print/Save Calculation Results To PDF