--- title: "Debt-to-Income Ratio Calculator | Numequo" description: "Calculate your household debt-to-income ratio, total monthly debt payments and remaining income after debt. Free, fast and easy to use." canonical: "https://www.numequo.com/finance/loans/debt-to-income-ratio-calculator/" locale: "en" --- [Numequo](https://www.numequo.com/) › [Finance](https://www.numequo.com/finance/) › [Loans and credit](https://www.numequo.com/finance/loans/) # Debt-to-Income Ratio Calculator Add your household’s monthly net income and recurring debt payments to see what share of income is committed each month. ## Input data - **Primary monthly net income** - type: number; default: 3000; min: 0.01; max: 100000000; step: 10 - **Other monthly net income** - type: number; default: 1000; min: 0; max: 100000000; step: 10 - **Existing loan payments** - type: number; default: 650; min: 0; max: 100000000; step: 10 - **Planned new payment** - type: number; default: 500; min: 0; max: 100000000; step: 10 - **Other recurring debt payments** - type: number; default: 0; min: 0; max: 100000000; step: 10 - **Currency** - type: choice; default: EUR; options: Euro (€), US dollar ($), Pound sterling (£), Canadian dollar (C$), Swiss franc (CHF) ## How it works Debt-to-income ratio = total monthly debt payments ÷ total monthly net income × 100. ## Quick examples - **€4,000 income · €1,150 debt** - Primary monthly net income: 3000, Other monthly net income: 1000, Existing loan payments: 650, Planned new payment: 500, Other recurring debt payments: 0, Currency: EUR - **Single income, existing loan** - Primary monthly net income: 2600, Other monthly net income: 0, Existing loan payments: 720, Planned new payment: 0, Other recurring debt payments: 0, Currency: EUR - **Test a new €900 payment** - Primary monthly net income: 4200, Other monthly net income: 800, Existing loan payments: 300, Planned new payment: 900, Other recurring debt payments: 150, Currency: EUR ## Understanding your result The ratio shows the share of monthly income used for debt payments. It is an orientation indicator: lenders may use different income, expense and eligibility rules. Last verified: 29 September 2026 (2026-09-29) ## Frequently asked questions ### How is the debt-to-income ratio calculated? Divide all recurring monthly debt payments by the household’s monthly net income, then multiply the result by 100. ### Which payments should be included? Include current loan payments, the payment for the planned loan and other recurring debt obligations. A lender may include or exclude additional expenses. ### Which income should be entered? Use stable monthly net household income. Lenders may apply specific rules to bonuses, benefits, rental income or self-employed earnings. ### Does a low ratio guarantee loan approval? No. Approval can also depend on remaining income, savings, employment, credit history, loan term and the lender’s own criteria. ## Related calculators - [Loan Calculator](https://www.numequo.com/finance/loans/loan-calculator/) - Estimate monthly payments and total loan cost. - [Loan Comparison Calculator](https://www.numequo.com/finance/loans/loan-comparison-calculator/) - Compare two fixed-rate loans by monthly payment, fees, insurance and total cost. - [Mortgage Refinancing Calculator](https://www.numequo.com/finance/loans/mortgage-refinancing-calculator/) - Compare your current mortgage with a refinancing offer, including interest, insurance and fees, to estimate net savings. - [Early Loan Repayment Calculator](https://www.numequo.com/finance/loans/early-loan-repayment-calculator/) - Estimate the time and interest saved with a lump sum or additional monthly payments. - [Compound Interest Calculator](https://www.numequo.com/finance/savings-investing/compound-interest-calculator/) - See how savings may grow with monthly compounding. - [VAT Calculator](https://www.numequo.com/finance/taxes-pricing/vat-calculator/) - Add VAT to a net price or extract it from a gross price. ## Structured data ```json { "@context": "https://schema.org", "@graph": [ { "@type": "WebPage", "@id": "https://www.numequo.com/finance/loans/debt-to-income-ratio-calculator/#page", "name": "Debt-to-Income Ratio Calculator | Numequo", "description": "Calculate your household debt-to-income ratio, total monthly debt payments and remaining income after debt. 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A lender may include or exclude additional expenses." } }, { "@type": "Question", "name": "Which income should be entered?", "acceptedAnswer": { "@type": "Answer", "text": "Use stable monthly net household income. Lenders may apply specific rules to bonuses, benefits, rental income or self-employed earnings." } }, { "@type": "Question", "name": "Does a low ratio guarantee loan approval?", "acceptedAnswer": { "@type": "Answer", "text": "No. Approval can also depend on remaining income, savings, employment, credit history, loan term and the lender’s own criteria." } } ] } ] } ```