Include salary, bonuses, commissions, etc.
Mortgage/rent, insurance, property tax
Total minimum payments across all cards
Student loans, alimony, child support, etc.
Ready to Calculate?
Enter your income and debt details to calculate your DTI ratio
Debt-to-income ratio compares your monthly debt payments to your gross monthly income. Lenders use this to assess your ability to manage monthly payments and repay loans.
Front-end DTI (housing only): <28% preferred. Back-end DTI (all debts): <36% excellent, 36-43% acceptable, >43% may face loan approval challenges.
Pay down existing debt, increase income, avoid new debt, or consider a less expensive home. Lower DTI improves loan approval odds and interest rates.