Debt-to-Income Ratio (DTI) Calculator
Calculate your Debt-to-Income Ratio to see if you qualify for a mortgage or loan
Your Debt-to-Income (DTI) ratio is a key number lenders look at when you apply for a mortgage or loan. It measures the percentage of your gross monthly income that goes toward paying debts.
Calculator Inputs
Before taxes and deductions
Results
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How It Works
We add up all your monthly debt obligations (housing, cars, cards, loans) and divide by your gross monthly income. The result is a percentage that indicates your ability to manage monthly payments.
Tips & Best Practices
- •Lenders typically prefer a DTI below 36%.
- •For mortgages, the maximum limit is often 43%, though some programs allow up to 50%.
- •Paying off small debts is the fastest way to lower your DTI.
- •Increasing your income (even side hustles) also improves your DTI.
Frequently Asked Questions
Does DTI include utilities?
No. DTI generally only includes debt payments (mortgage/rent, credit cards, loans). It usually excludes utilities, food, gas, and insurance (unless included in mortgage escrow).
What is a good DTI?
A DTI under 36% is considered excellent. 36-43% is manageable but may limit borrowing power. Above 43% can make it difficult to qualify for a standard mortgage.
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