Find out your DTI ratio to see if you are in a healthy borrowing range for mortgages or personal loans.

Debt-to-Income (DTI) Ratio

Gross Monthly Income

Monthly Mortgage/Rent

Monthly Auto Loans

Monthly Credit Cards

Other Monthly Debt

Enter your details to see results.

How This is Calculated

Formula:

DTI (%) = (Total Monthly Debt Obligations / Gross Monthly Income) * 100

Calculates the percentage of gross monthly income allocated toward recurring debt service. Critical metric for mortgage pre-approval.

Sources & Assumptions: Consumer Financial Protection Bureau (CFPB) mortgage ability-to-repay rules.

How to Use This Calculator

Enter your gross monthly income and your monthly debt payments (mortgage, auto, credit cards, etc.).

What is a good DTI ratio?

A DTI of 35% or less is generally considered good, while anything above 43% may make it difficult to get a mortgage.