Debt-to-Income Calculator
Debt-to-income ratio (%) from monthly debt and income.
How it works
DTI = monthly debt ÷ monthly income × 100%
A common lender metric: under ~36% is healthy; above 43% makes approval harder.
Worked example
Monthly income 15,000; monthly debt payments: mortgage 4,000 + car 1,500 + card 500 = 6,000.
DTI = 6000 ÷ 15000 = 40%. Most lenders prefer 36%–43% or lower.
Notes and limitations
DTI counts debt only, not living costs like rent or food. Underwriting also weighs credit history, down payment and income stability; self-employed income is treated more strictly.