Debt-to-Income Ratio Calculator

Calculate your debt-to-income ratio and understand how your monthly obligations may affect your borrowing options.

Monthly Debt Payments

Monthly Income

Your Debt-to-Income Ratio --%
DTI Category --
Total Monthly Debt $0.00
Total Monthly Income $0.00
Enter your information and click Calculate.
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How to Calculate Your Debt-to-Income Ratio

Your debt-to-income ratio (DTI) compares your total monthly debt payments to your gross monthly income before taxes and deductions. Lenders use DTI as one factor when evaluating your ability to manage additional debt.

What Is a Good Debt-to-Income Ratio?

Then we add a small educational table:

DTI Ratio General Meaning
Below 36% Generally considered a healthy debt level and may improve borrowing flexibility
36%–43% Many lenders may still consider borrowers in this range depending on other factors
43%–50% Higher debt burden that may reduce borrowing options
Above 50%  A high debt load that may make loan approval more challenging

What Debt Payments Should Be Included in DTI?

For the most accurate calculation, include recurring obligations such as:

✅ Mortgage or rent payments
✅ Auto loan payments
✅ Student loan payments
✅ Minimum credit card payments
✅ Personal loan payments
✅ Home equity line of credit payments
✅ Child support or alimony obligations
✅ Other required monthly debt payments

What Expenses Should Not Be Included?

Do not include normal living expenses such as:

❌ Groceries
❌ Gas
❌ Utility bills
❌ Cell phone bills
❌ Health insurance
❌ Auto insurance
❌ Childcare expenses
❌ Entertainment and recreational spending

What Income Counts Toward DTI?

Use regular, dependable income sources such as:

✅ Salary or wages
✅ Part-time employment income
✅ Self-employment income
✅ Freelance income
✅ Rental income
✅ Social Security benefits
✅ Child support or alimony received

Do not include irregular sources such as:

❌ Gifts
❌ Inheritances
❌ Lottery winnings
❌ One-time payments

A lower debt-to-income ratio generally indicates that you have more available income to manage new financial obligations. If your DTI is higher than desired, strategies such as paying down existing debt, increasing income, or consolidating high-interest debts may help improve your financial profile.

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