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
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How to Use This Calculator
Enter your gross monthly income and your monthly debt payments (mortgage, auto, credit cards, etc.).
Frequently Asked Questions
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.
Why is the Debt-to-Income (DTI) Ratio Calculator important?
Mortgage lenders use your DTI to determine if you qualify for a loan. The DTI Ratio Calculator helps you see what the bank sees.
Should I use gross or net income in the DTI Ratio Calculator?
Lenders universally use Gross (pre-tax) income, so you should enter your gross salary into the DTI Ratio Calculator.
Do I include my rent in the DTI Ratio Calculator?
If you are applying for a mortgage, you usually exclude current rent but include the *projected* new mortgage payment in the DTI Ratio Calculator.
What is a passing score on the DTI Ratio Calculator?
Most conventional lenders want to see a result of 43% or lower on the DTI Ratio Calculator.