Monthly Income Gross monthly income? $ Alimony/Child support? $ Retirement benefits? $ Other income? $ Monthly Expenses Mortgage (PITI)? $ Vehicle? $ Credit cards (minimums)? $ Student loans? $ Alimony/palimony? $ Child support? $ Other payments? $ Printer-friendly version Debt-to-Income Summary Monthly Income Monthly Debt Debt-to-Income Ratio Chart Table Debt-to-Income Summary Monthly Income Monthly Debt Submit Your debt-to-income ratio is the percentage of your gross income used to cover your mortgage and other debt payments. This ratio and your credit score are two key factors used to determine if you qualify for a loan. The lower your ratio, the easier it is for you to pay your bills each month.