Total Monthly Debt Calculator

Add every obligation quickly in minutes, without confusion anywhere. See totals by category and frequency. Make smarter borrowing choices with monthly clarity you trust.

Used only for debt-to-income.
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Custom Debts
Add items like subscriptions, medical plans, or any recurring obligations.
Name Amount Frequency Remove
Notes: Weekly = 52/12 months. Biweekly = 26/12 months. Semi-monthly = 2 payments per month.

Example Data Table

Sample obligations to illustrate how totals are combined into one monthly number.

Debt Item Amount Frequency Monthly Equivalent
Auto loan $450.00 Monthly $450.00
Credit card minimum $60.00 Monthly $60.00
Personal loan $110.00 Biweekly $238.33
Total Monthly Debt $748.33

Formula Used

This calculator converts each payment into a monthly equivalent, then adds everything together.

  • Monthly Equivalent = Payment × Frequency Factor
  • Total Monthly Debt = Σ (Monthly Equivalent of each debt)
  • Debt-to-Income = (Total Monthly Debt ÷ Gross Monthly Income) × 100

Frequency factors: weekly = 52/12, biweekly = 26/12, semi-monthly = 2, quarterly = 1/3, yearly = 1/12.

How to Use This Calculator

  1. Enter your recurring debt payments and select each frequency.
  2. Add any extra obligations using the custom debt table.
  3. Optionally enter gross monthly income to view DTI.
  4. Click Calculate to see totals, breakdown, and chart.
  5. Download your results as CSV or PDF if needed.

Important Notes

  • Use realistic minimum payments for revolving balances.
  • Include any co-signed loans you regularly pay.
  • Results are estimates and not financial advice.

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Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.