Debt-to-Income Ratio Calculator
Calculate your DTI ratio — the share of income going to debt payments.
Results update as you type.
About this calculator
Your debt-to-income (DTI) ratio is the percentage of your gross monthly income that goes to debt payments. Lenders use it to judge how much more you can borrow. This calculator adds your housing payment and other monthly debts, divides by income, and shows the ratio, a rating, and how much monthly debt room you have left to a target.
Frequently asked questions
What is a good debt-to-income ratio?
Below 36% is generally seen as healthy, with 43% often the ceiling for a qualified mortgage. Above that, lenders may decline or charge more. DTI = total monthly debt ÷ gross monthly income × 100.
Does DTI use gross or net income?
Lenders use gross (pre-tax) monthly income for DTI. That makes the ratio look lower than it would against take-home pay, so budget with your net figure in mind too.
Results are estimates for general guidance only, not financial, medical or tax advice.