Debt-to-Income Ratio Calculator (DTI)
Find out your debt-to-income ratio instantly. Lenders use DTI to decide whether to approve your mortgage, car loan, or personal loan — and what rate to offer. A DTI below 36% puts you in a strong position.
Monthly Gross Income
Monthly Debt Payments
DTI Ratio Guidelines
Below 36%: Excellent — most lenders will approve you with the best rates. 36–43%: Acceptable — approval likely but terms may be less favorable. 43–50%: High — harder to get approved. Above 50%: Very high — focus on debt reduction before applying.
Frequently Asked Questions
What DTI is needed for a mortgage?
Most conventional lenders prefer a DTI of 43% or lower. For the best rates and FHA loans, aim for 36% or below. Some programs allow up to 50% with strong compensating factors.
Does DTI affect my credit score?
DTI itself is not part of your credit score calculation, but it is a key factor lenders review when making loan decisions alongside your credit score.
How can I lower my DTI?
You can lower DTI by paying down existing debts, increasing your income, or avoiding taking on new debt before applying for a loan.
Related: Mortgage Calculator | Loan Calculator