Debt-to-Income (DTI) Calculator
Find the ratio lenders check before approving a mortgage or loan.
Estimates for educational purposes only — not financial, tax, or investment advice.
What DTI is and why lenders care
Your debt-to-income ratio is your total monthly debt payments divided by your gross monthly income. Lenders use it as a quick read on whether you can take on another payment. Include rent or mortgage, car loans, student loans, and minimum credit-card payments — but not utilities or groceries.
The 36% and 43% lines
Most lenders like to see total DTI at or below 36%, and many cap mortgage approvals around 43%. Below 36% gives you the most options and the best rates. The 'room under 36%' figure above shows how much more monthly debt you could take on while staying in the comfortable zone.
Frequently asked questions
What should I include as debt?
Recurring debt obligations: housing payment, auto loans, student loans, personal loans, and minimum credit-card payments. Leave out variable living costs like food, utilities, and subscriptions.
Does a lower DTI get a better rate?
Generally yes. A lower DTI signals less risk, which can help you qualify for more and sometimes at a better interest rate.