Debt-to-Income Ratio Calculator
Calculate your DTI ratio — the number lenders use to decide how much you can borrow.
Last reviewed July 1, 2026
Most lenders prefer a DTI at or below 36%, and many cap approvals around 43%. Lower is better for getting credit and rates.
Your debt-to-income ratio (DTI) is one of the first things a lender checks. It compares your total monthly debt payments to your gross monthly income, showing how much of your earnings are already committed. This calculator works it out instantly and tells you how lenders are likely to view it.
A lower DTI means more of your income is free, which makes you a safer borrower and can unlock better rates. Knowing your number before you apply helps you fix it first if needed.
What counts as a good DTI?
As a rule of thumb, 36% or below is considered healthy, and many mortgage lenders cap approvals around 43%. Above that, borrowing gets harder and more expensive.
Include recurring debt payments — mortgage or rent, car loans, student loans, minimum credit-card payments, and personal loans. You don't include everyday spending like groceries or utilities.
Frequently asked questions
▶How do I calculate my debt-to-income ratio?
Add up your monthly debt payments, divide by your gross (pre-tax) monthly income, and multiply by 100. This calculator does it for you and rates the result.
▶How can I lower my DTI?
Pay down existing debts (especially cards), avoid taking on new loans before applying for credit, or increase your income. Even small reductions can move you into a better lending bracket.
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Open calculator →Disclaimer: Debt-to-Income Ratio Calculator results are estimates for general information and education only, and are not financial, tax, legal or medical advice. Verify important decisions with a qualified professional.