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Debt-to-income calculator

Calculate your monthly debt payments as a share of gross income, and see what income remains after the payments.

Required fields are marked with an asterisk (*).

The total of loan installments, credit lines and minimum card payments each month.
Your monthly income before taxes and deductions; it must be greater than zero.
The currency used to display the results.

The debt-to-income (DTI) ratio is a metric lenders use to assess your ability to take on a new loan: it divides your monthly debt payments by your gross income. This calculator works out the ratio for you and shows how much of your income remains after the payments, ready for any financing application.

Formula

Debt-to-income ratio = monthly debt payments ÷ gross monthly income × 100, and remaining income = gross income − payments.

When is this useful?

Use this calculator before applying for any new loan or financing, to measure your current debt pressure and see how a new loan might move your ratio.

Worked example

Example using the calculator’s values: monthly debt payments of 400 Jordanian dinars and a gross monthly income of 2,000 dinars.
The debt-to-income ratio is 20%.
Remaining income after payments is about 1,600 dinars.

Assumptions

  • The ratio is based on gross income before taxes and deductions.
  • Payments include all loans, minimum card payments and monthly obligations.
  • Living costs are not part of the ratio — it covers debt payments only.
  • Income must be greater than zero to complete the calculation.
  • The ratio is a guide, not a final verdict on financing eligibility.

Common mistakes

  • Using net income after taxes instead of gross income, which inflates the ratio.
  • Forgetting to include minimum card payments or small personal loans.
  • Including living costs and bills among the debt payments.
  • Entering zero income, which makes the ratio impossible to compute.

Frequently asked questions

What is a healthy ratio?

A common guideline is a ratio below 36% of gross income, with lenders preferring lower ratios that leave more room for a new loan.

Do living costs go into the calculation?

No. The ratio covers monthly debt payments only, and does not include rent, food and bills unless they are part of your loan obligations.

Does the ratio alone decide financing approval?

No, it is one of several criteria. Lenders also look at your credit history, income stability and other amounts.

Methodology and review

The calculator divides total monthly debt payments by gross monthly income and multiplies by 100 for the ratio, then subtracts payments from income to show what remains.

Results are estimates for informational purposes only and do not constitute financing approval or financial advice.

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