Debt-to-Income Calculator

Calculate your DTI ratio to understand your financial health and lending eligibility

Income & Debt Information
Enter your monthly financial details

Your total income before taxes and deductions

Include mortgage, car loans, credit cards, student loans, etc.

What to Include
Monthly Debt Payments:
  • Mortgage or rent payments
  • Auto loan payments
  • Student loan payments
  • Credit card minimum payments
  • Personal loan payments
  • Child support or alimony
Do NOT Include:
  • Utilities (electric, gas, water)
  • Insurance premiums
  • Food or entertainment expenses
  • Transportation costs (gas, parking)
DTI Guidelines
How lenders typically view different DTI ratios
36% or less

Excellent - Easily qualify for most loans

37% - 43%

Good - Most lenders will approve

44% - 50%

Fair - May have difficulty getting approved

Over 50%

Poor - Very difficult to get approved for loans

How to Improve Your DTI
1

Increase income: Ask for a raise, take on a side job, or find ways to earn more

2

Pay down debt: Focus on paying off high-interest debts first

3

Avoid new debt: Don't take on additional loans or credit cards

4

Consolidate debt: Consider consolidating high-interest debts into a lower-rate loan