Debt-to-Income Ratio Calculator
Calculate your DTI in less than 2 minutes
What is Debt-to-Income Ratio?
Your DTI compares your monthly debt payments to your gross monthly income (before taxes). Lenders use it to assess whether you can afford to take on more debt. The lower your DTI, the better your financial position.
✓ Include These Debts:
- Mortgage/rent
- Car loans
- Credit card minimums
- Student loans
- Personal loans
✗ Don't Include:
- Utilities
- Groceries
- Insurance
- Phone bills
- Subscriptions
Your income before taxes and deductions
Total of all credit card minimum payments
Personal loans, alimony, child support, etc.
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We'll send you a detailed summary of your DTI analysis and personalized recommendations.
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This calculator is for educational purposes only and provides an estimate based on the information you provide. Actual lender calculations may vary.
