Debt-to-Income Ratio Calculator
Lenders use this number to decide if they'll approve you. What's yours?
Monthly Income
Monthly Debt Payments
Your Results
≤ 36% — Great, lenders love you
37-42% — Okay, but room to improve
43-49% — Stressful, pay down debt
≥ 50% — Danger zone, act now
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See what's inside →📉 Lower Your DTI
Debt consolidation can combine multiple payments into one lower monthly bill — and potentially cut your interest rate.
Explore Consolidation Loans →How This Works
DTI = Total Monthly Debt Payments ÷ Gross Monthly Income
Lenders look at this to gauge risk. A 43% DTI is usually the ceiling for conventional mortgages. FHA loans allow up to 50% in some cases. If you're over 36%, paying down debt before applying for new credit will get you better rates.
Front-end vs Back-end DTI: This calculator shows back-end DTI (all debts). Some lenders also check front-end DTI — just housing costs — which should ideally be under 28%.