Quick answer: Debt-to-income ratio compares monthly debt payments with gross monthly income. This calculator is educational and does not predict approval.
Published: September 29, 2026 | Last updated: September 29, 2026 | Written by: Borrow Your Loan Editorial Team
Estimated DTI including new payment
0%
Enter values to estimate DTI.
Methodology
DTI estimate = (housing payment + other monthly debt + estimated new loan payment) / gross monthly income x 100. Lenders may calculate or interpret DTI differently.
What to remember
| Input | Why it matters |
|---|---|
| Gross income | Common DTI formulas use income before taxes. |
| Existing debt | Existing obligations reduce room for another payment. |
| New payment | The estimated payment helps show the effect of added debt. |
Borrow Your Loan is not a lender and does not guarantee approval, funding, rates, terms, or loan amounts.
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