Find your debt-to-income ratio — a key number lenders use for mortgages.
Calculated privately in your browser.
How is your debt-to-income (DTI) ratio calculated?
DTI = total monthly debt payments ÷ gross monthly income × 100. For example, 1,800 of debt on 6,000 income is a 30% DTI. Many lenders prefer 36% or less and cap mortgages around 43%; a lower DTI is better and can improve your loan terms. Lenders rely on it to decide how much you can borrow.
Understanding your result
Many lenders prefer a DTI of 36% or less and cap mortgages around 43%. Lower is better and improves your loan terms.
Formula and method
DTI = total monthly debt payments ÷ gross monthly income × 100.
Worked example
1,800 of debt on 6,000 income is a 30% DTI — comfortably within typical limits.
How to use this tool
- Enter your gross (pre-tax) monthly income.
- Enter your total monthly debt payments.
- Press Calculate.
About the Debt-to-Income Ratio Calculator
The Debt-to-Income Calculator shows what share of your monthly income goes to debt — a number mortgage lenders rely on to decide how much you can borrow.
Frequently asked questions
What DTI do I need for a mortgage?
Most conventional loans want 43% or less, and ideally 36% or under, though programs and lenders vary.