📊 Debt-to-Income Ratio Calculator
Calculate your DTI ratio — one of the key metrics lenders use to assess your ability to repay a loan.
📝 Your Income & Debts
Monthly Gross Income
Monthly Debt Payments
📊 Your Results
📊
Enter your income and debt payments then click Calculate My DTI Ratio.
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DTI Ratio
Total Monthly Income—
Total Monthly Debt—
DTI Ratio—
Front-End Ratio—
Max Debt for 36% DTI—
Max Debt for 43% DTI—
DTI Rating Scale
Below 20%ExcellentExcellent
20% – 35%GoodGood
36% – 43%AcceptableAcceptable
44% – 50%HighHigh
Above 50%Very HighVery High
💡 How to Improve Your DTI Ratio
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Pay Down Debts
Reducing loans and credit card balances lowers your monthly debt payments.
🚫
Avoid New Debt
New loans or cards increase your DTI before applying.
📈
Increase Income
More gross income directly improves your DTI ratio.
🔄
Consolidate Debts
A lower monthly repayment can help reduce your total debt obligations.
⚠️ Disclaimer: DTI thresholds vary by lender and loan type. This calculator is for general guidance only.
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