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Debt to Income (DTI) calculator

Banks and regulators take close notice of the relationship between your personal combined debt level and your combined gross income. This is called your "debt-to-income ratio". This calculator makes it easy to work out (although you will need to take some time to figure the totals of each element).

It is here as part of our partnership with


Please could a calculator (or steps using existing calculators) be provided where I could input my age, loan balance, DTI ratio, and the income required (gross or net?) be generated.

I am wanting to set a goal in terms of income, currently my DTIR is 65.12 excluding non mortgage debt.  My loans are fixed until 2026 at 2.99.  I am preparing for that time.

Thank you!


Can I confirm that the monthly debt payments are just the repayments on monies borrowed? They don't include household expenses like rates or insurance?