Debt-to-Income Ratio Calculator
Work out your debt-to-income ratio: your monthly debt payments as a percentage of your gross monthly income. Free UK calculator with a clear explanation.
Your monthly debt payments
Your gross income (before tax)
Your results
Debt-to-income ratio
15.0%
Debt payments ÷ gross income
Debt payments
£450.00
Per month
Gross income left
£2,550.00
Of £3,000.00 a month
There is no official UK limit. Lenders use their own checks, which also look at your spending and credit history.
What is a debt-to-income ratio?
Your debt-to-income (DTI) ratio shows how much of your income is already committed to repaying debts. A lower ratio means more of your income is free for living costs and savings.
There is no single UK rule for what counts as "too high". Lenders use their own affordability checks, which also look at spending and your credit history. Use the ratio as a way to track your own progress.
How to bring it down
You can lower your ratio by paying debts off, increasing income, or reducing monthly payments in a way that does not cost more overall. If payments feel unmanageable, a free debt adviser can help you look at the options.
How to use this calculator
- Add up your monthly debt payments: loans, card minimums, car finance, and any other regular debt payments. Mortgage or rent can be included separately.
- Enter your gross monthly income (before tax).
- Read your ratio and the income left once those payments are made.
How it is calculated
Debt-to-income ratio = monthly debt payments ÷ gross monthly income × 100.
Worked example
Debt payments of £450 a month on a gross income of £3,000 a month gives a ratio of 15%, leaving £2,550 of gross income.
Assumptions and limits
- Lenders each calculate affordability in their own way, so this is a simple guide and not a prediction of any lender’s decision.
- Use your regular monthly income. Irregular income may need averaging over several months.
- Gross income is before tax and National Insurance.
Common questions
Should I use gross or net income?
This calculator uses gross income (before tax), which is the common way to quote a DTI ratio. If you prefer, you can enter your take-home pay to see what share of your actual pay goes on debt.
Do I include my mortgage?
It depends on what you want to know. Include it to see your total housing and debt burden, or leave it out to look at borrowing alone.
What is a good ratio?
There is no official figure. Lower is generally better, and lenders each set their own limits.
Does the ratio affect my credit score?
No. Credit reference agencies do not use your income. Lenders may use your ratio when deciding whether to lend.
Related guides
Related calculators
- Credit Card Repayment CalculatorHow long to clear a card, what it costs, or the payment needed to finish by a set date.
- Debt-Free Date CalculatorSee the month you could be debt-free using the snowball or avalanche method.
- UK Take-Home Pay CalculatorYour salary after tax, National Insurance, pension and student loan, per year, month and week.
- Monthly Budget PlannerAdd your income and spending to see exactly what is left each month.
These calculators give estimates based on the figures you enter and the assumptions listed above. They are not financial advice. Your numbers are worked out in your browser and are not sent to us.
This page provides general information only. It is not personalised financial, legal or tax advice, and rules and figures can change. Your situation is unique — please check official sources such as GOV.UK and MoneyHelper, and speak to a qualified, FCA-authorised debt adviser before making important decisions about your money.