Debt-to-Income Ratio Calculator
Calculate your debt-to-income (DTI) ratio. Enter your total monthly debt payments and your gross monthly income to see the percentage of income that goes to debt.
How it works
Lenders use DTI to assess affordability. A lower DTI is better — below 36% is generally considered healthy.
DTI = (Monthly debt ÷ Gross monthly income) × 100Worked examples
Example
500 in monthly debt against 2,000 gross income is a 25% DTI.
Frequently asked questions
What is a good DTI ratio?
A DTI below 36% is generally considered healthy; above 50% is high and can make borrowing harder.
What counts as monthly debt?
Recurring obligations like loans, credit-card minimums and other fixed payments.
Why does DTI matter?
Lenders use it to decide whether you can afford a new loan.
Results are estimates provided for information only and do not constitute financial, legal or tax advice. Consult a qualified professional before making financial decisions.
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