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How it works
Formula & explanation
Debt-to-Income Ratio Calculator uses the following calculation:
DTI = (TotalMonthlyDebt / GrossMonthlyIncome) × 100
This is a simplified model intended for planning and education. Real-world offers from lenders, institutions, or tax authorities may include additional fees, rules, or adjustments not reflected here.
FAQ
Frequently asked questions
What counts as debt in this calculation?
Minimum payments on credit cards, auto loans, student loans, personal loans, and housing costs — not everyday expenses like groceries or utilities.
What's considered a good DTI?
Below 36% is generally seen as healthy, 37–43% is borderline for many lenders, and above 43% can make qualifying for a mortgage harder.
How can I lower my DTI?
Pay down revolving balances, avoid new debt before a big application, or increase verifiable income.
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