Debt-to-Income Ratio Calculator
Estimate your debt-to-income ratio and the available monthly payment based on your qualifying income.
Enter income and monthly debt, then select Calculate DTI.
Business Bank Statement Income
For business bank statements, take 12 months of eligible deposits, divide by 12, then divide further by 50% to estimate monthly qualifying income.
Enter total deposits to calculate estimated monthly qualifying income.
This calculator is for illustrative purposes only and is not a loan approval or commitment. Actual qualifying income, debt obligations, and allowable DTI vary by loan program, lender, documentation, and underwriting requirements.