Debt-to-Income (DTI) Calculator
Your debt-to-income ratio is one of the first numbers a lender checks before approving a mortgage, car loan or credit line. Enter your total monthly debt payments (rent or mortgage, car loans, minimum credit card payments, student loans and any other required payments) and your gross monthly income before tax, and this calculator divides one by the other to give your DTI as a percentage. It then rates the result the way underwriters do: at or below 36 percent is considered healthy, 37 to 43 percent is a caution zone many lenders still accept, and above 43 percent is high and can make approval harder. Knowing your DTI before you apply helps you see where you stand and how much room you have. It all runs in your browser.
How to use Debt-to-Income (DTI) Calculator
- Enter your total monthly debt payments.
- Enter your gross monthly income.
- Read your DTI percent and rating.
Frequently asked questions
How is DTI calculated?
It divides your total monthly debt payments by your gross monthly income and shows the result as a percentage.
What DTI do lenders like to see?
Lower is better. Many lenders prefer a DTI under about 36 percent, and the tool gives a lender-style rating for your number.
Should I use gross or net income?
Use gross monthly income before taxes, since that is the figure lenders use for DTI.
What is Debt-to-Income (DTI) Calculator?
Your debt-to-income ratio is one of the first numbers a lender checks before approving a mortgage, car loan or credit line. Enter your total monthly debt payments (rent or mortgage, car loans, minimum credit card payments, student loans and any other required payments) and your gross monthly income before tax, and this calculator divides one by the other to give your DTI as a percentage.
Is Debt-to-Income (DTI) Calculator free to use?
Yes. Debt-to-Income (DTI) Calculator is completely free, with no sign-up and no usage limits.
Does Debt-to-Income (DTI) Calculator work in a web browser?
Yes. Debt-to-Income (DTI) Calculator runs in any modern web browser. There is nothing to download or install.
Is my data private with Debt-to-Income (DTI) Calculator?
Yes. Debt-to-Income (DTI) Calculator runs entirely on your device in your browser, so nothing you enter is uploaded to a server.
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