Your debt-to-income ratio (DTI) is your total monthly debt payments divided by your gross monthly income (income before taxes). Many lenders look at DTI alongside a credit score when they review an application. A lower DTI is often viewed as more manageable, but there is no single cutoff that applies to every loan, and this tool cannot say whether you would be approved.
The bands shown with your result are general educational guidelines, not rules and not a decision. We explain where common figures such as 36%, 43%, and 50% come from so you can read them in context.
How to use this calculator
- Enter gross income, either monthly or annual (annual is divided by 12).
- Add the monthly debts lenders typically count: rent or mortgage, auto, card minimums, student loans, and other installment debts.
- Everyday living costs such as groceries and utilities are usually left out of DTI. Check a lender’s instructions if you are preparing a real application.
Results
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Results are estimates for education only. They are not financial, legal or credit-repair advice, and they are not an offer or a decision from any lender. We do not promise credit-score increases, item removals, or loan or card approvals. Actual rates, payments and qualification depend on the lender, the loan and your full application. See our Financial Disclaimer.