Debt-to-Income Ratio Calculator

What Debt-to-Income Ratio is for

Debt-to-Income Ratio Calculator is the page to open when you need debt-to-income ratio from measurements you already have. It belongs with the other financial calculators because that is the work this arithmetic supports. The pay those figures start from is the annual income. Type the entries first. The result stays hidden until you press Calculate, so a half-finished form never flashes a number you might mistake for the answer.

How to fill in this calculator

1. Monthly Debt Payments. Enter the value this part of the job needs.
2. Gross Monthly Income. Enter the value this part of the job needs.

The formula in plain language

To add fractions, convert them to a common denominator, add the numerators, and reduce. A mixed number is a whole plus a fraction. Multiply the whole by the denominator and add the numerator before you do arithmetic. A ratio a:b = c:d solves for the missing term by cross-multiplying. Long division splits a number into a whole quotient and a remainder.

A worked example

1/2 plus 1/3 is 5/6. The mixed number 2 1/4 is 9/4. If 2:3 equals 8:d, then d is 12. 100 divided by 6 is 16 with a remainder of 4, or 16.666....

Income, deductions, and what a household owes are one balance sheet. This debt-to-income ratio result belongs with net worth calculator and AGI.

Mistakes that move the answer

• A denominator of zero is not a fraction.
• Reduce the answer if you are comparing it with a tape that is marked in sixteenths.

How to check the result

After Calculate shows the debt-to-income ratio result, redo the last operation with a pencil using the rounded figures on the screen. Matching that check means the inputs were read correctly. If you edit a label or a sentence in this HTML file, reload the page. The form and this article both live in the file, so the edit is what visitors will read.