Debt-to-Income Ratio Calculator

See how lenders view your financial health and borrowing power

Monthly Debts

Mortgage / Rent ($)

Car Payment ($)

Student Loans ($)

Credit Card Minimums ($)

Other Monthly Debts ($) Personal loans, alimony, child support, etc.

Monthly Income

Gross Monthly Income ($) Your total income before taxes and deductions

Your DTI Results

DTI Ratio

Total Monthly Debt

Gross Monthly Income

What Lenders Look For

Excellent: <20%
Best rates, easy approval

Good: 20-35%
Most loans approved

Fair: 35-43%
May face higher rates

Poor: >43%
Difficult to qualify

Most conventional lenders require a DTI below 43% for mortgage approval. FHA loans may allow up to 50% with compensating factors. For the best interest rates, aim for a DTI below 36%.

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