Debt-to-Income Ratio Calculator
Calculate your debt-to-income (DTI) ratio to understand your borrowing capacity. Lenders use DTI to determine mortgage and loan eligibility.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Results
DTI Ratio
38.33%
How to Use This Calculator
- Enter your gross monthly income (before taxes).
- Enter each monthly debt payment: mortgage or rent, car payment, student loans, credit card minimums, and any other debt.
- Review your debt-to-income (DTI) ratio — lenders typically require a DTI under 43% for mortgage approval.
- A DTI under 36% is considered good; under 20% is excellent.
- Use the remaining income figure to understand how much disposable income you have after debt obligations.
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