DTI Calculator
Calculate your debt-to-income (DTI) ratio, a key measure lenders use for loan approval.
Calculate
Enter your values below.
Result
Debt-to-income ratio
0
Formula used
DTI = Total monthly debt ÷ Gross monthly income × 100
Example: $1,800 monthly debt on $6,000 income → DTI = 30%.
How to use this calculator
- Enter Total monthly debt payments, Gross monthly income.
- Press Calculate to see your result instantly.
FAQ
Frequently asked questions
What counts as monthly debt?
Typically rent/mortgage, car loans, student loans, credit card minimums, and other recurring debt obligations.
What DTI ratio is considered good?
Generally below 36% is considered healthy, though acceptable thresholds vary by lender.
Does DTI include everyday expenses like groceries?
No, DTI only considers debt obligations, not general living expenses.
How can I lower my DTI?
Pay down existing debt, increase income, or avoid taking on new recurring debt.