We calculate the ratio. We do not judge it.

Cindrus is funded by subscriptions to its app. We take no fees from lenders or credit card companies, and your ratio does not change what we earn.

Why a DTI calculator

DTI comes up early in any mortgage conversation, often with a number attached that has no source. We wanted a page that does the division and quotes the actual rule.

The DTI calculator is a free part of Cindrus, an app that lists a household's debts next to its assets. Using it here requires no sign-in.

What we avoid

Pre-approvals, loans and brokering are not part of what we do, and no advisor works here. The division and the rule are on the page; what you do next is your call.

We do not pull credit reports, so only the payments you enter are counted.

Questions and corrections

Try it with your figures

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Calculate my DTI