Debt-to-Income Ratio Calculator
Your DTI is the single number lenders lean on most. It's your total monthly debt payments divided by your gross monthly income. Enter your figures to see where you stand — and exactly what it takes to improve it.
Your monthly numbers
$
$
$
🔒 Everything is calculated locally. We never see your numbers.
Your ratio
How to read this: Lenders look at two versions — the front-end ratio (housing only) and the back-end ratio (all debt), which is the one most people mean by "DTI." 36% or below is the comfortable zone; 43% is the usual cutoff for a qualified mortgage. Note that DTI is built on monthly payments, not balances — which is why lowering a payment can help your ratio even when you still owe the same amount.
Go deeper: Debt-to-income, explained.