Debt-to-Income Ratio Calculator
Enter your total monthly debt payments and gross monthly income to calculate your debt-to-income ratio.
Debt-to-Income Ratio Calculator
Calculate your debt-to-income (DTI) ratio from your monthly debt payments and gross income.
Debt-to-income ratio (DTI) divides your total monthly debt payments — credit cards, car loans, student loans, mortgage or rent — by your gross (pre-tax) monthly income. Mortgage lenders commonly look for a DTI below 36-43%, though limits vary by loan type and lender.
Example
- With the default values shown above, this calculator returns: Debt-to-Income Ratio ≈ 10.0; What This Means: Excellent — well within typical lending limits.
Frequently Asked Questions
What counts as debt in this calculator?
Include recurring debt obligations like credit card minimum payments, car loans, student loans, personal loans, and rent or mortgage — not everyday expenses like groceries or utilities.
What DTI do lenders want to see?
Many mortgage lenders prefer a DTI at or below 36%, with some programs allowing up to 43-50% depending on other factors like credit score and down payment.