Debt-to-Income Ratio Calculator
Find your DTI ratio for loan eligibility.
Result
How to use
- Enter your values in the fields above.
- Press Calculate to see your result instantly.
- Use the Share button to copy a link to your result.
About this calculator
This calculator divides your total monthly debt payments (credit cards, car loans, student loans, existing mortgage) by your gross monthly income to produce your debt-to-income (DTI) ratio, expressed as a percentage.
Mortgage lenders lean on this number heavily: conventional loans typically want a DTI under roughly 36–43%, and a lower ratio generally means better approval odds and interest rates. It's used by anyone preparing to apply for a mortgage, auto loan or personal loan who wants to know where they stand before a lender pulls the number themselves.
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