Debt-to-Income Ratio Calculator
How do lenders view your financial situation?
Monthly Debt Payments
Monthly Gross Income
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Income before taxes and deductions
Your Debt-to-Income Ratio
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Good: 36% or less
Risky: 44–50% higher risk
Fair: 37–43% usually qualifies
Danger: 51%+ likely denied
Debt Payments ÷ Gross Income × 100 = DTI %
This calculator is only a general guide. Your DTI ratio can affect how risky you appear to lenders, but it does not guarantee loan approval or denial. Exact approval thresholds vary by bank and loan type.
What Is a Debt-to-Income Ratio?
A debt-to-income (DTI) ratio shows what percentage of your monthly income goes toward paying debt. Lenders use it to see how well you handle monthly payments and to help decide whether to approve a loan. A higher DTI means more risk in the lender's eyes.