DTI compares your monthly debt payments to your monthly gross income.
Use gross income (before taxes/benefits). If paid biweekly, multiply one check by 26 and divide by 12.
Rent or mortgage payment (include escrow/HOA if that’s how you pay it).
Car/truck/motorcycle loan payments.
Use the required minimum payments.
Student loans, personal loans, consolidation loans, etc.
Medical payments, collections, child support, etc. (only include monthly obligations).
Total monthly debt$0
Debt-to-income (DTI)0%
Note: DTI is typically calculated using gross income (before taxes). Lenders and programs may calculate DTI slightly differently and may include/exclude certain debts depending on guidelines.
