Your debttoincome ratio illustrates how much your current monthly income is required to cover outstanding debt. What is your DebttoIncome Ratio?Calculate Your Monthly Debt Payments: Add up all your monthly debt obligations. The good debt-to-income ratio is a percentage. For the front-end DTI, add up your future housing expenses:. Your debt includes recurring monthly payments that you owe, such as credit card bills, loans, and mortgage. Calculate your debt-to-income ratio and find out what it means when you prepare to borrow. Toincome (DTI) ratio is a financial metric used to assess the financial health of an individual or household. Toincome ratio measures the percentage of a person's monthly income that goes to debt payments. Add up your total monthly debt payments.