Debt-to-Income Ratio Calculator
Lenders look at how much of your income goes to debt. Enter your monthly payments and income to see your DTI ratio and where it falls.
How it works
- 1
Add your monthly debts
Mortgage or rent, car loans, credit card minimums, student loans.
- 2
Enter your income
Gross monthly income before tax.
- 3
See your ratio
DTI percentage and whether it is healthy, manageable or high.
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Frequently asked questions
Recurring debt payments such as housing, car loans, student loans and credit card minimums. Utilities and groceries usually do not.
Why lenders care about DTI
Debt-to-income ratio is total monthly debt payments divided by gross monthly income. A DTI of 36% or less is generally seen as healthy, and many mortgage programs set limits around 43% to 50%.
Lowering DTI — by paying down balances or increasing income — can improve loan approval and interest rates. Lender rules vary, so check the specific requirements.