Debt-to-Income Ratio Calculator (DTI)
Calculate your debt-to-income ratio (DTI) and your housing ratio from your monthly debts and gross income, and see where you stand for a mortgage or loan.
Up to 36%: good. 36% to 43%: acceptable, and 43% is the usual maximum for a US qualified mortgage. Above 50%: very high.
What it does
The debt-to-income ratio (DTI) is the share of your gross monthly income that goes to debt payments. Lenders use it to decide how much more you can borrow. The back-end ratio counts every debt; the front-end or housing ratio counts only rent or the mortgage payment. The classic 28/36 rule says housing should take at most 28% and all debts at most 36%.
How to use it
- Type your gross monthly income, before taxes.
- Type your rent or mortgage payment and the minimum monthly payment of each debt.
- See your DTI, the housing ratio and how much room you have before 36% and 43%.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
How do I calculate my debt-to-income ratio?
Add up your monthly debt payments, including rent or mortgage, and divide by your gross monthly income. 2,300 of debts on 6,000 of income is a DTI of 38.3%.
What is a good debt-to-income ratio?
36% or less is considered good, with no more than 28% going to housing. 43% is the usual maximum for a qualified mortgage in the US; above 50% most lenders will say no.
Which payments count in the DTI?
Rent or mortgage (with property tax, insurance and HOA fees), car loans, student loans, credit card minimum payments, personal loans and child support. Utilities, groceries, insurance premiums and phone bills do not count.
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