Debt-to-Income Ratio Calculator

Monthly Income

Gross Monthly Income ($)

Monthly Debts

Mortgage/Rent ($)

Car Loan ($)

Credit Card Payments ($)

Student Loans ($)

Other Debts ($)

DTI Ratio

0%

Total Monthly Debts

$0.00

Risk Level

-

DTI Risk Levels

✓ Good: Below 36%
⚠ Fair: 36-43%
⚠ High: Above 43%

Understanding DTI Ratio

Your debt-to-income ratio (DTI) is a key financial metric that compares your monthly debt payments to your monthly gross income.

What's Included in DTI?

Monthly Debts: Mortgage/rent, car loans, credit cards, student loans, other loans
Not Included: Utilities, food, insurance, taxes
Income: Gross monthly income before taxes and deductions

Why DTI Matters

Key factor in mortgage approval
Indicates financial health
Helps in budgeting decisions
Used by lenders for loans

Improving Your DTI

Pay down existing debt
Avoid taking on new debt
Increase your income
Refinance to lower payments