Debt-to-Income Ratio Calculator

Measure your financial health with your Debt-to-Income (DTI) ratio.

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Debt-to-Income Ratio Calculator
A DTI below 36% is considered healthy for loan eligibility.

Monthly Income

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Monthly Debt Payments

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Debt-to-Income Ratio
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Gross Monthly Income
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Total Monthly Debts
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Max Recommended Debt
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Available for New Loan
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๐Ÿ“ขAdvertisement300ร—250

๐Ÿ’ก DTI Benchmarks

  • โ‰ค28%: Excellent โ€” easy loan approval
  • 29โ€“35%: Good โ€” most loans available
  • 36โ€“49%: Borderline โ€” limited options
  • โ‰ฅ50%: High โ€” difficulty getting loans

What is Debt-to-Income (DTI) Ratio?

The Debt-to-Income ratio compares your monthly debt payments to your gross monthly income. Lenders use DTI to assess your ability to manage monthly payments and repay debts.

DTI Ratio = (Total Monthly Debt Payments / Gross Monthly Income) ร— 100