Debt-to-Income Ratio Calculator
Your debt-to-income ratio (DTI) is a powerful number that lenders use to evaluate your ability to manage monthly payments and repay debts. A low DTI shows you’re in control of your finances—while a high DTI could be a red flag. Use this free debt-to-income calculator to see where you stand and take control of your financial future.
What Is Your Debt-to-Income Ratio?
To calculate your DTI, enter your total monthly debt payments and your gross monthly income (before taxes). Our free debt-to-income calculator will instantly tell you your percentage—and what it means.
Debt-to-Income Ratio Calculator
DTI FAQs
What’s a good debt-to-income ratio?
A DTI under 36% is considered excellent. Most lenders prefer a DTI below 43% for loan approvals.
How can I lower my DTI?
- Pay off high-interest debts
- Increase your income
- Avoid taking on new loans or credit
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