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. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to see personalized advice from qualified professionals regarding all personal finance issues.