Debt-to-Income Ratio Calculator
Your debt-to-income ratio (DTI) is the percentage of your gross monthly income that goes toward debt payments. It's one of the most important numbers lenders look at when assessing mortgage and loan applications.
Enter income and debt details
Enter income and debts, then press Calculate DTI.
How lenders interpret DTI
| DTI | Typical lender view |
|---|---|
| Under 20% | Excellent — plenty of financial breathing room |
| 20–35% | Good — most lenders approve |
| 36–43% | Acceptable — mortgage qualifying threshold in many markets |
| 44–50% | Elevated — approval only with strong compensating factors |
| Over 50% | High — most lenders decline |
Related calculators
Frequently asked questions
Gross (before-tax) monthly income from all sources: salary, overtime, bonuses (averaged over the last 2 years), freelance income, rental income, investment income and, if applicable, alimony or child support received. Lenders may discount income they consider unstable.
Either pay off debt (which lowers the numerator) or increase income (which raises the denominator). Paying off a car loan or credit card reduces monthly obligations immediately. Adding a co-borrower with income can also improve the ratio — lenders assess the combined income and debts of both applicants.