Free Debt-to-Income Ratio Calculator
See your debt-to-income ratio and how it compares to common lender guidelines, updated as you type.
Estimates only, not financial advice.
Frequently Asked Questions
How is DTI calculated?
Debt-to-income ratio is your total monthly debt payments divided by your gross (pre-tax) monthly income, shown as a percentage.
Why does DTI matter?
Lenders use DTI to judge how much of your income is already committed to debt payments before adding a new loan — a lower DTI generally makes approval easier and can improve the terms you're offered.
What's a good DTI ratio?
Many lenders view 36% or below as healthy, up to around 43% as the upper limit for many mortgage programs, and above that as high. Requirements vary by lender and loan type.
How can I lower my DTI?
Pay down existing debts, avoid taking on new debt before a major loan application, or increase your income. Even paying off one small balance can meaningfully change the ratio.
Is this financial advice?
No — this is an estimate for planning purposes only, not financial advice.