# Debt 2 Income Calculator — Calculate DTI Ratio

> Calculate and analyze your Debt-to-Income ratio for financial health. (iPhone/iPad app by Heng Jia Liang.)

- Source: https://appshunter.io/ios/app/debt-2-income-calculator/id1634741065 (this page in markdown: same URL + `.md`)
- Developer: [Heng Jia Liang](https://appshunter.io/developer/1532000635)
- Category: Finance, Utilities
- Price: $2.99
- Rating: 4.17/5 from 6 App Store ratings
- Age rating: 4+
- Requires: iOS 18.6 · 1 MB
- Languages: English, French, German, Japanese, Korean, Portuguese, Chinese, Spanish, Chinese
- Released: 2022-07-15
- Data updated: 2026-08-08
- Monetization: paid
- User reviews in markdown: https://appshunter.io/ios/app/debt-2-income-calculator/id1634741065/reviews.md

## What is Debt 2 Income Calculator?

Managing your finances starts with understanding your Debt-to-Income ratio. Debt to Income Calculator gives you a clear, instant picture of your financial health so you can make smarter money decisions.

What is DTI?
Your Debt-to-Income (DTI) ratio is the percentage of your monthly income that goes toward paying debts. Lenders use it to evaluate your ability to manage payments and take on new credit. A lower DTI means better financial health.

CALCULATE YOUR DTI IN SECONDS
Add your income sources and monthly debts, and get your DTI ratio instantly. The color-coded gauge makes it easy to see where you stand:
• Green (below 36%) — Healthy
• Yellow (36%–43%) — Caution
• Red (above 43%) — At Risk

LOAN SIMULATOR
Thinking about a new car, mortgage, or personal loan? Use the built-in simulator to see how additional debt or income changes would affect your DTI before you commit.

SMART FINANCIAL INSIGHTS
Receive personalized, actionable suggestions based on your data. Find out exactly how much debt to reduce or income to add to reach a healthy ratio.

VISUAL CHARTS
See your finances at a glance with clear pie charts for debt and income breakdowns, plus a bar chart comparing total income versus total debt.

SAVE MULTIPLE PROFILES
Track different financial scenarios by saving profiles. Compare your DTI over time or plan for major life changes like buying a home or paying off student loans.

FEATURES:
• Instant DTI ratio calculation
• Color-coded financial health gauge
• Add, edit, and delete income and debt items
• Quick-select common item names
• Loan and income scenario simulator
• Pie and bar charts with Swift Charts
• Save and load multiple financial profiles
• 10 currency options (USD, EUR, GBP, JPY, and more)
• Tap-to-copy results
• Dark Mode support
• No account required — all data stays on your device
• No ads, no subscriptions, no third-party tracking

Whether you are preparing for a mortgage application, paying down credit cards, or simply want to understand your finances better, Debt to Income Calculator is the straightforward tool you need.

Download now and take control of your financial health.

Thanks for your support and do visit nitrio.com for more apps for your iOS devices.

## Key features

- Instant DTI ratio calculation
- Color-coded financial health gauge
- Loan and income scenario simulator
- Visual charts for debt and income
- Save and load multiple financial profiles
- Supports 10 currency options

## Chart rankings

- #113 in Top Paid · Finance (US App Store)


## Frequently asked questions about Debt 2 Income Calculator

### What is the Debt 2 Income Calculator app?

Debt 2 Income Calculator is a finance app that helps users understand their Debt-to-Income (DTI) ratio. It provides instant calculations, visual breakdowns, and simulation tools to assess financial health.

### How does Debt 2 Income Calculator calculate DTI?

The app calculates your DTI by taking your total monthly debt payments and dividing them by your gross monthly income. It then presents this as a percentage, often with a color-coded gauge indicating financial health.

### Can I simulate different loan scenarios with Debt 2 Income Calculator?

Yes, the app features a loan simulator that allows you to see how adding new debt or changing income would impact your DTI ratio before making financial commitments.

### Does Debt 2 Income Calculator offer personalized financial advice?

The app provides smart financial insights and actionable suggestions based on your entered data. It can guide you on how much debt to reduce or income to add to achieve a healthy DTI ratio.

### How much does Debt 2 Income Calculator cost?

Debt 2 Income Calculator is a paid app, priced at $2.99. This one-time purchase grants access to all its features without ongoing subscription fees.

### Does Debt 2 Income Calculator have ads?

No, Debt 2 Income Calculator is ad-free. The description explicitly states 'No ads, no subscriptions, no third-party tracking,' ensuring an uninterrupted user experience.

### What devices is Debt 2 Income Calculator available on?

Debt 2 Income Calculator is supported on iPhone, iPad, and iPod devices. It is designed for iOS users looking to manage their finances.

### How often is Debt 2 Income Calculator updated?

The latest version of Debt 2 Income Calculator is 1.5, last updated on April 21, 2026. This indicates recent development and ongoing support for the application.

## Version history (last 3 releases)

### 1.5 — 2026-04-21

- Optimized for the latest devices.
- Fixed minor bugs.
- Improved and redesigned the UI.

### 1.1 — 2026-01-19

- Updated for the newest devices.
- Minor bugs fixed.

### 1.0 — 2022-07-16

No release notes.

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All apps by Heng Jia Liang: https://appshunter.io/developer/1532000635

## Related topics

[debt 2 income calculator](https://appshunter.io/ios/topics/debt-2-income-calculator)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-08.*