White Glove tool · borrowing context
Debt-to-income ratio is a simple way to place recurring debt payments beside gross monthly income. Move the sliders to build an educational illustration without entering personal information.
Open the calculator
The short answer
Add the monthly obligations in the illustration, divide by gross monthly income, and express the result as a percentage. Lenders can define the inputs differently and use additional criteria, so this tool cannot predict approval, pricing, or a credit decision.
Gross monthly income in the illustration.
Recurring housing, debt, and proposed-payment amounts.
Illustrated obligations divided by income.
Live illustrative calculator
Model a monthly obligation picture in your browser. No application data is collected, and the result is not a lender quote.
Higher modeled debt load
This illustration places $2,350 of monthly obligations against $6,000 of gross monthly income. Lender definitions and criteria vary.
Use the illustration to frame a conversation, then verify the provider's actual criteria and disclosures.
How to read it
Use gross monthly income and recurring obligations that belong in your own illustration. A provider may ask for documentation and may count or exclude categories differently.
Keep the context
A lower modeled ratio does not guarantee approval or a particular rate. Income stability, credit history, collateral, product rules, and verification can all matter.
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Questions, answered plainly
It is a monthly comparison of recurring debt obligations with gross monthly income, expressed as a percentage. It is an educational illustration, not an approval prediction.
A lender may consider housing, installment debt, minimum payments, and a proposed new payment, but definitions vary. Check the provider's criteria.
No. Lenders use their own criteria, which may include income verification, credit history, collateral, employment, and other information.