Your debt-to-income ratio (DTI) is one of the first numbers a lender checks when you apply for a mortgage, auto loan or personal loan. It compares your monthly debt payments with your gross monthly income. Enter your income and payments below to see your DTI and how lenders are likely to view it.
Debt-to-Income Ratio Calculator
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How DTI is calculated
DTI = total monthly debt payments ÷ gross monthly income × 100. If you earn $6,500 a month before taxes and pay $2,620 toward housing, a car loan, student loans and card minimums, your DTI is about 40.3%. Your front-end (housing-only) ratio uses just the rent or mortgage payment.
What’s a good DTI?
- 36% or less: generally viewed as healthy.
- 37% to 43%: often still acceptable; 43% is a common ceiling for many mortgages.
- 44% to 50%: harder to qualify; some programs allow it with strong credit or savings.
- Above 50%: most lenders will decline new credit.
How to lower your DTI
Pay down balances with the highest payments first, avoid new debt before applying, and consider adding verifiable income. Our debt payoff calculator can help you plan.
Related: Home Affordability Calculator, How to Improve Your Credit Score, All Financial Calculators.