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YES

As of 13 August 2026, AI can calculate your debt-to-income ratio.

Most people should do this themselves; the prompt is on this page.

Can you do it?

5 minutesto a draft.

15 minutesto something you’d act on.

Cost, all in£0

Skill neededchat-fluent

Who has to check ityou

What the alternative costsJulius AI is an AI data analyst that accepts a spreadsheet and answers questions about it.

If this goes wrong, you can get a misleading percentage from incomplete or inconsistently defined figures and use it when judging whether you can afford further borrowing.

What to actually do

  1. Do it yourself

    The route this page recommends

    A chat interface, chat-fluent skill, and roughly 15 minutes until you can act on the result.

    How to actually do it

    1. Open your recent payslip or income records and record your gross monthly income before tax, using the amount that matches the period of the debt payments.
    2. Open your current loan, credit-card, overdraft and finance statements and list each required regular repayment, excluding ordinary household spending.
    3. Paste the prompt into a chatbot and replace the bracketed slots with your figures and a labelled list of each debt payment.
    4. Ask the chatbot to recalculate if any payment is weekly, annual or variable, so every figure is converted to a consistent monthly basis before the ratio is calculated.
    5. Compare the chatbot's included figures with your statements and repeat the formula with a calculator: total monthly debt payments divided by gross monthly income, multiplied by 100.
    6. Keep the checked percentage as your personal estimate and use the lender's own definition or application figures when applying for credit.

    Prompt

    Calculate my debt-to-income ratio using only the figures I provide. Use this definition unless I say otherwise: debt-to-income ratio equals total regular monthly debt payments divided by gross monthly income, multiplied by 100. Show the calculation, the figures used, the resulting percentage and any missing information. Do not guess, round figures before calculating, or include rent, utilities, groceries or other living costs as debt payments unless I explicitly label them as debt. If a lender may use a different definition, state that clearly rather than changing the calculation. My gross monthly income is £[amount]. My regular monthly debt payments are: [list each payment and amount]. Explain which items you included and excluded. This is not professional advice.

    Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.

  2. Use a tool built for this

    Second choice

  3. Hand it to a person

    The distant third

    A person who owns the outcome does this end to end, worth it when the failure is dear.

What it gets wrong

  • AI cannot know whether a particular lender includes rent, overdrafts, maintenance payments or other commitments in its own affordability measure.
  • AI cannot retrieve every debt or confirm that the figures you supplied are current unless you provide reliable records.
  • AI cannot decide whether your income is stable enough for a lender's assessment.
  • AI cannot take responsibility for a borrowing decision made using the percentage.

Even on a YES, the friction has a name: context depth and judgement under ambiguity.

How we scored this

Five axes, each scored nought to two by hand: ten means AI carries the task cleanly, and the thresholds that turn a total into YES, PARTLY or NO are published in the methodology. Each axis name links to its definition.

AxisScore (0–2)
Output2
Inputs2
Verification2
Liability2
Effort delta2
Total10 / 10

The methodology and its thresholds are published in full.

FAQ

Can AI calculate my debt-to-income ratio?
Yes. Give it your gross income and regular debt payments, and it can do the arithmetic and show its working. Check the figures against your statements because lenders may use a different definition.
What figures do I need to calculate my debt-to-income ratio?
You need gross income and the required regular payments for your debts, all converted to the same period. Use payslips and current statements rather than estimates, and label each payment so the calculation does not mix debts with ordinary living costs.
Does rent count in my debt-to-income ratio?
It depends on the calculation being used. Do not include rent unless the lender or calculator specifically defines it as part of the measure, and ask AI to show separate results if you want to compare definitions.
Can I use an AI debt-to-income ratio when applying for a mortgage?
Use it as a checked estimate, not as the figure that replaces the lender's affordability assessment. The lender will verify your income and commitments, and a serious borrowing decision may need a regulated mortgage adviser. This is not professional advice.

Nearby answers

All Debt & credit rulings

Assessed by gpt-5.6-luna (gpt-5.6-luna) on 2026-08-13, second-checked by an independent model. Wrong somewhere? Email [email protected] and it gets re-checked.

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