Payment-to-Income Ratio Calculator

Use our Payment-to-Income Ratio Calculator to see how your car payment compares with your income — the way auto lenders do.

Your PTI ratio is your monthly vehicle loan payment as a share of your gross monthly income; many lenders cap it at 15%, and some subprime lenders allow up to 20%.

Enter your income and payment to see your ratio, or turn it around: find the largest monthly payment a cap allows, the income you’d need for a payment, or the most expensive vehicle you could finance. Income can be entered per month, per year, per paycheck, per week or per hour. To count all your debts, not just the car, use our Debt Burden Ratio Calculator; to see how much financing adds to the car’s price, our Financing Cost Calculator.