What does the Debt-to-Income Ratio Calculator do?

Calculate your DTI ratio to see if lenders will approve your mortgage or loan application. All calculations are performed in your browser using official UK rates and thresholds.

Is this based on current interest rates?

You can enter any interest rate to model different scenarios. Check the Bank of England base rate and current mortgage deals from lenders for the latest rates.

Should I get professional advice?

This calculator provides estimates for guidance only. For a formal mortgage offer, speak to a mortgage broker or lender who can assess your full circumstances and provide personalised advice.

Debt-to-Income Ratio Calculator

Calculate your DTI ratio to see if lenders will approve your mortgage or loan application.

Last updated: April 2026 · Source: MoneyHelper — How much can you afford to borrow

Monthly Gross Income

Monthly Debt Payments

Mortgage/Rent

Car Finance

Credit Cards (min)

Personal Loans

Student Loan

Other Debts

Disclaimer

This calculator is provided for informational purposes only and should not be considered as financial or tax advice. All calculations are performed locally in your browser — no personal data is collected or sent to our servers. Rates and thresholds are sourced from HMRC and GOV.UK and are updated for the current tax year. Always verify results with HMRC or consult a qualified professional before making financial decisions.

How It Works

Your debt-to-income ratio (DTI) measures the proportion of your gross monthly income that goes toward debt repayments. Lenders use it as a key affordability indicator when you apply for a mortgage, loan or credit card. A lower ratio signals that you have sufficient income headroom to take on new credit.

To calculate DTI, divide your total monthly debt payments — including mortgage or rent, loan repayments, credit card minimums and any other obligations — by your gross monthly income, then multiply by 100 to get a percentage.

Most UK lenders prefer a DTI below 35–40%. Above 50% is considered high risk and significantly reduces your chances of approval. Reducing your DTI before applying for credit can improve both your approval odds and the interest rate you are offered.

Example: £3,500 gross monthly income

Mortgage payment: £850/month
Car loan: £200/month
Credit card minimum: £75/month
Total monthly debt: £1,125
DTI ratio: £1,125 ÷ £3,500 × 100 = 32.1% — within acceptable range

Source: MoneyHelper — How much can you afford to borrow

Frequently Asked Questions

What does the Debt-to-Income Ratio Calculator do?: Calculate your DTI ratio to see if lenders will approve your mortgage or loan application. All calculations are performed in your browser using official UK rates and thresholds.
Is this based on current interest rates?: You can enter any interest rate to model different scenarios. Check the Bank of England base rate and current mortgage deals from lenders for the latest rates.
Should I get professional advice?: This calculator provides estimates for guidance only. For a formal mortgage offer, speak to a mortgage broker or lender who can assess your full circumstances and provide personalised advice.