Debt-to-Income Ratio Calculator
The Debt-to-Income (DTI) Ratio Calculator measures what percentage of your gross monthly income goes toward debt payments. Lenders use DTI to decide whether to approve mortgages, auto loans, and personal loans. A DTI under 36% is considered healthy — most lenders require a DTI of 43% or lower for mortgage approval.
How to Use This Calculator
- 1
Enter each of your monthly debt payments (enter 0 for any that do not apply).
- 2
Enter your total gross monthly income before taxes.
- 3
Click Calculate to see your debt-to-income ratio.
Frequently Asked Questions
Below 36% is ideal. 36–43% is acceptable for most lenders. Above 43% makes mortgage approval difficult. Above 50% signals financial distress — debt reduction should be a priority.