Debt-to-Income Calculator
Compare monthly debt payments with gross income to estimate your DTI ratio.
Calculate DTI
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Debt-to-income calculator guide
WeCovr's debt-to-income calculator estimates how much of your gross monthly income is already committed to debt payments. That ratio is commonly used as an affordability sense-check for mortgages and other borrowing.
What debt-to-income means
Debt-to-income ratio compares your monthly debt obligations with your gross monthly income before tax.
A lower ratio generally means more room in your budget, while a higher ratio can make lenders more cautious.
Useful for mortgage planning.
Helps spot over-committed monthly budgets.
Works best alongside a fuller affordability review.
Which payments to include
Include housing costs and recurring debt obligations such as loans, credit cards, car finance, and other committed monthly repayments.
Every lender has its own methodology, so this should be treated as a planning estimate rather than a lending decision.
How to use a DTI estimate well
Use DTI to understand budget pressure before you apply for a mortgage, remortgage, or other major borrowing.
If your ratio is high, reducing debt balances or increasing deposit size can improve the picture.
Simple DTI bands
| DTI band | General reading | Planning takeaway |
|---|---|---|
| Below 36% | Manageable | More room in the budget |
| 36% to 42.9% | Elevated | Pressure is building |
| 43% and above | High | Borrowing options may narrow |
Related WeCovr resources
FAQs
Is debt-to-income the same as affordability?
No. DTI is one useful ratio, but lenders may also review credit history, committed spending, dependants, interest-rate stress tests, and deposit size.
Should I use gross or net income?
This calculator uses gross monthly income because that is a common way DTI is expressed. Budgeting for your own cash flow should still focus on net income.
Does a lower DTI always mean approval?
No. It usually helps, but lending decisions depend on a wider set of criteria than one ratio alone.
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