Debt-to-Income Calculator

DTI ratio with the 28/36 rule and lender thresholds

Quick Answer

Debt-to-Income Calculator: DTI ratio with the 28/36 rule and lender thresholds. 28/36 rule: housing ≤ 28%, total debt ≤ 36%.

Monthly gross income (¥)

Mortgage / rent (¥/mo)

Car loan (¥/mo)

Credit card min. payment (¥/mo)

Other debts (¥/mo)

DTI (Debt-to-Income)

46.0%

Status：Stressed

Total monthly debt¥11,500

Front-end ratio32.0%

Room to 36%¥0

Max debt at 43%¥10,750

DTI position

≤28% Excellent

29-36% Good

37-43% Tight

>43% Stressed

Your DTI: 46.0%

Steps

1Total monthly debt = 8000 + others = ¥11,500
2DTI = ¥11,500 ÷ ¥25,000 × 100% = 46.00%
3Front-end (housing only) = ¥8000 ÷ ¥25,000 = 32.00%

DTI benchmarks (lender view)

DTI	Level	Meaning
≤ 28%	Excellent	Traditional safe line for housing costs (front-end)
29% ~ 36%	Good	Total-debt cap most lenders accept
37% ~ 43%	Tight	Upper bound for some lenders; rates may rise
44% ~ 50% ←	Stressed	Hard to approve; larger down payment needed
> 50%	Critical	New loans unlikely; pay down debt first

💡 The 28/36 rule: housing costs ≤ 28% of gross income, total debts ≤ 36%. Lenders use gross (pre-tax) income. To lower DTI fast: pay off small loans entirely (removes the monthly payment), avoid new credit before a mortgage application.

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How to Use

Enter amounts and terms: fill principal, rate and period in the Debt-to-Income Calculator (defaults work for a quick try).
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Key Points

Debt-to-Income Calculator is a free online finance tool — open and use, no sign-up.
All calculations run locally in your browser; your data never leaves the device.
Key capability: DTI ratio with the 28/36 rule and lender thresholds.
Results come with formulas and reference tables so you can verify every number.

Formula & How It Works

Debt-to-income ratio

DTI = total monthly debt payments ÷ gross monthly income × 100%

28/36 rule: housing ≤ 28%, total debt ≤ 36%

China mortgage norm: income ≥ 2× monthly payment (DTI ≤ 50%)

FAQ

How do I use the Debt-to-Income Calculator?

Open the page and fill in the input fields — results update automatically. DTI ratio with the 28/36 rule and lender thresholds.

Are the results accurate?

Yes. Standard financial formulas and published rate data are used. For official figures, consult your financial institution.

Is it free? Do I need to sign up?

Completely free. No registration, login or download required.

Can I use the results for financial decisions?

Results are for reference. Consult a licensed financial advisor before major decisions.

Does it work on mobile?

Yes. Fully responsive on phones, tablets and desktops.

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Source & Updates

Based on published rate tables and standard financial formulas. Last updated: 2025-07

Authoritative sources:

Last updated: 2026-08-07

Formulas and content on this page are reviewed by the YiJianSuan team. For reference only — official sources prevail.

Cite this page: YiJianSuan. Debt-to-Income Calculator[EB/OL]. https://www.yijiansuan.com/en/c/finance/dti

Results provided by this tool are for reference only and do not constitute professional advice.