Debt-to-Income Ratio Calculator
Calculate your DTI ratio the way lenders do.
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About the Debt-to-Income Ratio Calculator
Your debt-to-income (DTI) ratio is one of the biggest factors lenders check when approving a mortgage, car loan, or credit line. Enter your total monthly debt payments and your gross monthly income to get your DTI percentage, with a plain-English read on whether it's healthy. Most lenders want to see 36% or below, and few will go above 43% for a qualified mortgage — knowing your number before you apply helps you plan.
How to use the Debt-to-Income Ratio Calculator
- 01Enter your total monthly debt payments and gross monthly income.
- 02Read the result instantly — it recalculates as you type.
- 03Adjust the numbers to model different scenarios.
Frequently asked questions
What is a good debt-to-income ratio?
36% or lower is considered healthy. Up to 43% is often acceptable for a qualified mortgage; above that, borrowing gets much harder.
What counts as debt in DTI?
Recurring monthly obligations — rent or mortgage, car loans, student loans, minimum credit-card payments, and other loans. Utilities and groceries don't count.
How do I lower my DTI?
Pay down balances (especially credit cards), avoid new loans before applying, or increase income. Even small reductions can move you under a lender threshold.