Free Tool
Debt-to-Income Ratio Calculator
Enter your monthly debt payments and gross income to calculate your DTI ratio. Understand how lenders evaluate your financial health and whether you qualify for new credit.
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Mortgage/rent, car, student loans, credit card minimums
$
Before taxes — all income sources
DTI Thresholds Used by Lenders
Common mortgage underwriting guidelines (varies by lender)
DTI Formula
DTI = monthly debt payments ÷ gross monthly income
NumeratorAll recurring monthly debts
DenominatorGross monthly income (pre-tax)
Result formatPercentage
Rating Bands
Excellent≤ 20%
Good21% – 35%
Acceptable36% – 43%
High risk> 43%
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