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.
📧 Want These Results Emailed?
We'll send you a detailed summary of your DTI analysis and personalized recommendations.
⚠️ Educational Tool
This calculator provides educational estimates based on the information you provide. Results are not financial, legal, or credit advice. Actual lender DTI calculations may vary based on their specific criteria and the debts they include.
For personalized guidance, consult with a qualified financial professional or contact us at (888) 870-7922.
How to Use the DTI Calculator
Watch this quick walkthrough to learn how to calculate your debt-to-income ratio, understand what your results mean, and discover your next steps toward financial freedom.
