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Debt-to-income check (UK)
This tool is intended to give a very approximate picture of how debt payments compare with income. If you’re not sure what your total monthly payments are, our Budget planner can help you list them. After checking your DTI ratio, you might want to plan a debt payoff strategy using our Snowball vs Avalanche tool or see how different loan terms affect your budget with our Monthly payment estimator.
Check your debt‑to‑income ratio
Enter your gross monthly income and the total of your regular monthly debt repayments to calculate an approximate debt‑to‑income (DTI) ratio. This rough measure shows how your debt payments compare to your income.
Include regular payments such as mortgage or rent, credit card minimums, personal loans, car finance and student loan repayments. Do not include everyday living expenses like utilities, food or fuel.
Results
Debt‑to‑income ratio
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What this means
Your DTI ratio indicates how much of your income goes towards repaying debts. A lower percentage suggests more capacity to manage new or unexpected costs.
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Frequently asked questions
What is a debt‑to‑income ratio?
Your debt‑to‑income (DTI) ratio expresses how much of your monthly income goes towards debt repayments. It’s calculated by dividing your total monthly debt payments by your gross monthly income and multiplying by 100 to get a percentage.
What is considered a good DTI ratio?
Lower ratios are generally better. A DTI below 20 % is often considered low, while 20 %–35 % is moderate. Ratios above about 35 % may make borrowing more difficult. This is just a rough guide and lenders have their own criteria. For tips on improving your financial standing, see our guide to improving your credit score.
What should I include in the debt payments box?
Add regular monthly payments such as credit card minimums, personal loans, car finance, student loans and your mortgage or rent. Don’t include everyday living expenses like utilities, food or travel.
Does rent count as debt?
If you’re a homeowner, include your mortgage payment. If you rent, you can include your rent as it’s a regular contractual payment that affects your affordability. The main aim is to capture anything you pay consistently each month. See types of debt for more information.
Will using this tool affect my credit score?
No. This calculator runs entirely in your browser. It doesn’t perform any credit checks and nothing you enter is saved or shared. Read our privacy policy for more details. For guidance on your credit score, see our credit score improvement guide. It’s meant for illustration only.
Related tools
Here are a few more calculators you may find useful:
- Budget planner – track your monthly income, expenses and savings.
- Snowball vs Avalanche – plan your debt payoff strategy across multiple debts.
- Monthly payment estimator – see how loan amount, interest rate and term affect your monthly payment.
Need more general information about formal debt solutions?
If you're struggling with debt, you may want to learn more about options like DMPs, IVAs or DROs. You can read impartial guidance at MoneyHelper or speak to a free debt charity such as StepChange, National Debtline or Money Advice Trust.
Some links on this site are affiliate links. If you click through and choose to act on the information provided, we will receive a commission at no extra cost to you. General information only; not financial advice.
This tool is general information only and does not constitute financial advice. Always speak to an FCA-regulated adviser or free debt charity before making decisions about debt solutions.