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wakila / Getty Images You can calculate your debt-to-income ratio by dividing your monthly income by your monthly debt payments. DTI = monthly debt / monthly income Quick Answer. To calculate your mortgage payment manually, apply the interest rate (r), the principal (B) and the loan length in months (m) to this formula: P = B[(r

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Lenders use your debt-to-income ratio (how much you owe on credit cards and loans compared with how much you earn) to help evaluate your creditworthiness. Debt to Income Ratio's. Learn about front-end & back-end debt to income ratio's, mortgage DTI ratios guidelines, calculations and how to your calculate debt to income

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wakila / Getty Images You can calculate your debt-to-income ratio by dividing your monthly income by your monthly debt payments. DTI = monthly debt / monthly income 3. Calculate your pretax monthly income. If you are in a salaried position, divide your yearly salary by 12. If you have an hourly wage, multiply it by the average

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