Debt-to-Income Ratio Calculator
Calculates your debt-to-income ratio, a key test for home loan approval.
Your result
Estimate only. Results update as you type.
How this calculator works
DTI = total debt ÷ gross annual income.
Worth knowing
APRA monitors lending at six times income or more, and many lenders cap or scrutinise loans above that level.
Guides for this calculator
- Debt-to-Income Ratio Calculator: Formula, Example and What the Result Means
- Debt-to-Income Ratio: What to Check Before You Trust the Number
Questions
- What is a comparison rate?
- It combines the interest rate and most fees into one annual rate, usually based on a $30,000 loan over five years, to make loans easier to compare.
- Do the results include fees?
- Only where a fee input is shown. Add any known fees for a more realistic total.
- Where can I get help with debt?
- The National Debt Helpline (1800 007 007) offers free, confidential financial counselling.
This calculator gives general estimates using published Australian rates and formulas. It doesn’t consider your personal circumstances. Check current figures with the ATO, your state government or a qualified professional before making decisions. See our disclaimer.