Debt-to-Income Ratio Calculator

Calculate your debt-to-income (DTI) ratio and see if you qualify for mortgage and other loans.

Free • Accurate • Instant Results

Debt-to-Income Inputs

Monthly Gross Income

Housing Payment

Other Monthly Debts

DTI Ratio

📊

25.00%

Healthy

Front-End Ratio

🏠

25.00%

Housing only

Total Monthly Debt

💳

$1,500

Monthly Income

💰

$6,000

🤖

AI Insights

Personalized analysis based on your inputs

✅

Healthy DTI Ratio

Your DTI of 25.0% is well within the 36% threshold most lenders prefer for mortgage approval.

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Formula Used

Debt-to-Income Ratio

DTI = (Total Monthly Debt / Gross Monthly Income) × 100

Variables

Total Monthly Debt= Housing + all other debt payments

Example

$2,500 debt / $6,000 income = 41.7% DTI

Frequently Asked Questions

Lenders generally prefer DTI below 36%, with a maximum of 43% for most qualified mortgages. Below 20% is considered excellent.

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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates based on inputs you provide. They are not financial, tax, investment, or legal advice. Consult a qualified financial professional before making financial decisions. Actual results may vary based on market conditions, tax laws, and individual circumstances.