📊 Debt-to-Income Ratio Calculator
Calculate your debt-to-income (DTI) ratio to see how lenders may view your loan qualification.
Your Income & Debts
Your DTI Result
| DTI Range | Rating |
|---|---|
| Below 36% | Good — favorable for most loans |
| 36% – 43% | Okay — acceptable to many lenders |
| Above 43% | High — may limit loan options |
These bands reflect typical mortgage lending guidelines. Individual lenders and loan programs may use different thresholds.
How the DTI Calculator Works
Debt-to-income ratio compares your total monthly debt payments to your gross monthly income. Lenders use it to assess how much additional debt you can reasonably take on.
Formula
Frequently Asked Questions
What is a good debt-to-income ratio?
A DTI below 36% is generally considered good and favorable for loan approval. Ratios between 36% and 43% are often still acceptable, while above 43% may make qualifying for a mortgage more difficult.
What counts as debt in a DTI calculation?
Recurring monthly obligations such as rent or mortgage, car loans, credit card minimum payments, student loans, and other installment loans. It does not include everyday expenses like groceries or utilities.
How can I lower my DTI?
Pay down existing debt, avoid taking on new debt before applying for a loan, or increase your gross income. Lenders view a lower DTI as a sign you can more comfortably manage additional payments.