The method
How it is worked out
DTI = monthly debt payments ÷ gross monthly income
- front-end ratio
- Housing cost alone ÷ income; many lenders cap it near 28–33%
Debt-to-Income Ratio Calculator
Check your debt-to-income ratio the way a lender does and how much more you could borrow. The result updates as you type so you can compare scenarios quickly.
Keep in mind
What it leaves out
- Affordability testsUK lenders model spending, not just debt; this is the US-style ratio.
- Stress ratesMortgage tests assume higher rates than today.
Use the calculator to compare scenarios rather than as a guaranteed forecast.
About the Debt-to-Income Ratio Calculator
Check your debt-to-income ratio the way a lender does before you apply for a mortgage, loan or card.
How it works and an example to tryShow less
How to use the result
Monthly debt payments are divided by gross monthly income. The housing ratio uses rent or mortgage alone. Headroom is what you could add before reaching the lender's limit.
Example to try
£1,870 of monthly commitments on £5,000 of income is a 37% ratio. Under a 43% limit there is £280 a month of headroom.
Put it to work
Try it on a real situation
Load an example
What moves the result most
Worked out from your figures above. Tap a row to try it.
Who uses it, and when
Anyone about to apply for credit and people planning to clear debt before a mortgage.
Mistakes worth avoiding
- Forgetting minimum card payments and buy-now-pay-later plans.
- Using take-home pay when lenders use gross.
- Applying with a ratio just under the limit and no margin for a rate rise.
Questions
What does the Debt-to-Income Ratio Calculator do?
Check your debt-to-income ratio the way a lender does and how much more you could borrow.
How should I use the result?
Monthly debt payments are divided by gross monthly income. The housing ratio uses rent or mortgage alone. Headroom is what you could add before reaching the lender's limit.
Does TechBullion store the information I enter?
The core calculation or transformation runs in your browser. Normal website security and analytics may still record page-level events, but the tool does not need to create a public record from your inputs.
What mistakes do people make with a debt-to-income ratio calculator?
Forgetting minimum card payments and buy-now-pay-later plans. Using take-home pay when lenders use gross. Applying with a ratio just under the limit and no margin for a rate rise.
Is the result guaranteed?
No. Use the result as a practical check or planning aid and verify important decisions with the relevant primary source, provider or professional advice.
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Results are estimates based on the figures entered, for general information only, and not financial, investment, tax or legal advice. See our terms of use.