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Debt
Debt-to-Income Ratio Calculator
Divide monthly debt by gross income to get your DTI ratio.
Debt-to-income ratio
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DTI %.
| Rating | — |
|---|---|
| Monthly debt | — |
| Monthly income | — |
| Income left | — |
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Enter your figures above to see the step-by-step working.
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How the Debt-to-Income Ratio Calculator Works
Your debt-to-income ratio (DTI) is your total monthly debt payments divided by your gross monthly income, as a percentage. Lenders use it to judge how much of your income is already committed to debt when deciding on a mortgage or loan. Add up recurring debt payments — loans, credit cards, car payments — and divide by your pre-tax monthly income.
Most lenders look for a DTI of 36% or less, and many mortgage programs cap it around 43%. A lower ratio means more room in your budget and a stronger application.
DTI = total monthly debt ÷ gross monthly income × 100
Frequently Asked Questions
What is a good debt-to-income ratio?
Generally 36% or below is considered good. Many mortgage lenders will go up to about 43%, and above 50% is high.
What counts as debt in DTI?
Recurring monthly obligations — mortgage or rent, car loans, student loans, credit-card minimums and other loan payments. Not utilities or groceries.
Is DTI based on gross or net income?
Gross — your income before taxes and deductions.
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