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Debt-to-Income Planner

Enter your gross monthly income, your current monthly debt payments, and the payment for a loan you are considering. The calculator shows your debt-to-income ratio now and with the new payment.

Your numbers

Your plan is ready.
Debt-to-income now 
Debt-to-income with the new payment 
Left after debts and the new payment 

Scenario table

Each row changes one number by a tenth, and keeps the rest as you entered them.

ScenarioDebt-to-income nowDebt-to-income with the new payment

Scenario chart

The first result for each scenario, drawn to scale.

How to use this planner

Enter your numbers in the boxes. The results update as you type, using the same calculation as the calculator.

The scenario table shows what changes when one number moves. Use it to see which number has the most effect on your result.

Understanding the result

The results are estimates. They use only the numbers you enter, so they can differ from what a bank, lender, or adviser calculates.

Monica Tulips ยท Updated: October 31, 2026

About the author

Monica Tulips

Monica Tulips

Finance Writer, Moni Calculator Pro

Monica Tulips writes the personal finance, savings, and loan guides on Moni Calculator Pro. Each calculator's math is covered by automated tests before its page is published, and the guides explain that math in plain language.

Frequently asked questions

Is income before or after tax?

Gross income, which is income before tax and deductions. Lenders usually use the gross figure, so this calculator does too.

Does rent count as a debt payment?

If you pay rent, lenders may count it, and a mortgage payment is counted in most cases. Check how a lender treats your housing costs.

Are utility bills part of the ratio?

No. Utilities, food, and insurance are living costs, not debt payments, so they do not go into the ratio.

What ratio do lenders want?

Each lender sets its own limit, and the limit can change with the loan type. Ask the lender what it uses, rather than relying on a figure from a website.

How can I lower my ratio?

Paying off a small debt, refinancing a high payment, or increasing income can all help. Check how each change affects the total cost of your debt.