Debt-to-Income Ratio Calculator

Calculates your DTI ratio—an important factor in loan qualification.

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Monthly Income

$

Monthly Debt Payments

$
$
$
$
$

Debt-to-Income Analysis

36.0%
Good
Total Monthly Debt$2,700
Maximum Recommended Debt (36%)$2,700
Available Debt Capacity$0
DTI Ratio36.0%
0%20%36%50%+

Mortgage Qualification: Good - should qualify for most mortgages

How it works›

Model and assumptions. Divides the entered monthly debt payments by gross monthly income; the housing-only ratio uses the mortgage payment. Threshold bands are illustrative. Lenders can use different qualifying income, debt definitions and program limits.CFPB: debt-to-income ratio