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Debt-to-Income (DTI) Ratio Calculator

Work out your debt-to-income ratio and a burden rating from monthly debt payments and income.

Input Data

Monthly Debt
Monthly Income

Results

Monthly debt divided by monthly income, as a percentage.
33.3%
Rating code: 0 healthy, 1 fair, 2 high, 3 excessive.
0
Monthly income minus monthly debt payments.
40,000

At a glance:DTI = monthly debt payments / monthly income x 100%. It measures repayment burden: the lower the safer. Banks often use 40-50% as a warning line. The result also shows a rating code (0 healthy <36%, 1 fair 36-43%, 2 high 44-50%, 3 excessive >50%) and remaining monthly income. WARNING: In Hong Kong, mortgage approval also applies an interest-rate stress test, so DTI alone is not the full picture.

Formula

Debt-to-income ratio (DTI) = Total monthly debt payments / Gross monthly income.

How to Use

  1. Enter total monthly debt repayments (mortgage, cards, loans).
  2. Enter total monthly income.
  3. View the DTI%, the rating code and remaining monthly income.

FAQ

What DTI is safe?

Generally DTI below 36% is healthy, 36-43% fair, 44-50% high, and above 50% signals heavy burden and likely loan rejection. Lenders' exact thresholds vary.

Should income be gross or net?

Banks usually use gross monthly income for DTI; some use net after MPF and tax. This calculator uses whatever figure you enter — keep the basis consistent.

Which debts should I include?

Include all regular repayments: mortgage, car loan, personal loan and credit-card minimum payments. Occasional spending without a fixed repayment need not be included, but it is safer to be conservative.

Does DTI relate to the mortgage stress test?

Yes. Besides DTI, Hong Kong mortgages apply a stress test assuming a higher rate, so the debt-servicing ratio stays within limits even if rates rise. This tool shows the basic DTI; use a mortgage calculator for the stress test.

How can I improve a high DTI?

Raise income or cut debt — clear high-interest card balances first, consolidate loans, or extend the term to lower monthly payments. Aim for DTI below 40% to improve approval odds.

Related Tools

References

Content review: Calculatorism Science Team. Results are for reference only; please refer to the relevant authorities for the official figures.

Found a problem with the results?

If this calculator's result is wrong, or you have any question about the calculation logic, please let us know. You are viewing:Debt-to-Income (DTI) Ratio Calculator（/finance/debt-to-income）。