Money & Finance
Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio from your monthly debts and gross income to see where you stand with lenders.
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Your DTI ratio
25%
0%20%36%43%50%+
Most mortgage lenders prefer a total DTI at or below 36%, with 43% as a common upper limit.
How the Debt-to-Income Ratio Calculator works
Enter your gross monthly income and total monthly debt payments. The calculator divides debts by income to find your DTI ratio, then places it on the scale lenders typically use.
Frequently asked questions
What debts should I include?
Include recurring debt payments — mortgage or rent, car loans, student loans, minimum credit card payments — but not everyday living expenses like groceries.
What DTI ratio do lenders want?
Most mortgage lenders prefer 36% or below, with 43% as a common maximum, though requirements vary by lender and loan type.
Guides that cover this
The Complete Guide to Managing Your Money With Free CalculatorsA practical walkthrough of budgeting, debt payoff, saving, and home-buying math — and the free calculators that handle each step.What Counts as Debt in a DTI Calculation, and What Doesn'tA clear breakdown of which recurring payments count toward debt-to-income ratio and which everyday expenses are excluded.Why Your DTI Looks Fine But You Still Got DeniedOther factors beyond DTI — credit score, income stability, and reserves — that can cause a loan denial even with an acceptable debt-to-income ratio.Front-End vs. Back-End DTI: What Each One MeasuresThe difference between front-end DTI (housing costs only) and back-end DTI (all debt), and why lenders check both.How to Use the Debt-to-Income CalculatorA quick walkthrough of entering income and monthly debt payments to calculate your DTI ratio against common lending thresholds.Debt-to-Income Ratio Calculator: How It Works and How to Use ItA quick guide to the debt-to-income ratio calculator — what it calculates, how the math works, and tips for getting an accurate result.