DTI is the number lenders use to decide if you qualify for a mortgage, car loan, or credit card. See where you stand — and how close you are to your goals.
Monthly figures
Monthly debt payments
Lender thresholds
Know your number — but what does it mean? Read: What Is a Good Debt-to-Income Ratio? — lender thresholds for mortgages, car loans, and personal loans, and how to lower yours.
What Is a Good DTI? →FAQ
Ready to attack the debts dragging your DTI down? See snowball vs. avalanche compared — which payoff order eliminates minimum payments fastest.
Snowball vs. Avalanche →Consolidating could lower your monthly minimums and improve your DTI immediately. See debt consolidation vs. payoff strategy— when it's worth it and when it isn't.
Consolidation vs. Payoff →Not sure which consolidation route to take? See balance transfer vs. personal loan — which lowers your rate more and which is easier to qualify for.
Compare Options →Extra payments eliminate minimum payments faster than anything else. See the minimum vs. extra payment math — how much each extra dollar drops your DTI over time.
Minimum vs. Extra →Credit card minimums dragging down your DTI? Use the credit card payoff calculator — see how fast you can eliminate those minimum payments.
Credit Card Calculator →A personal loan consolidation can lower your DTI by replacing multiple minimums with one fixed payment. See the personal loan payoff guide — rates, terms, and when it makes sense.
Personal Loan Guide →Student loans are one of the biggest DTI factors for younger borrowers. See the student loan payoff guide — repayment plans, forgiveness options, and how to pay down principal faster.
Student Loan Guide →Medical bills on a payment plan count toward your DTI. See the medical debt guide — how to negotiate, settle, or eliminate bills that are inflating your ratio.
Medical Debt Guide →DTI too high to qualify for anything? See the debt relief options guide — when settlement, counseling, or consolidation can bring your ratio down fast.
Debt Relief Guide →A 0% balance transfer can cut your monthly payment and lower your DTI. Compare the top 0% balance transfer cards — find the longest intro period for your balance size.
Compare Cards →Once you know which debts to attack, pick your order. See snowball vs. avalanche compared — which payoff method eliminates minimum payments fastest.
Snowball vs. Avalanche →Want to model exactly how fast each debt payoff drops your DTI? Download the free debt payoff spreadsheet — track every balance and see your ratio improve month by month.
Get Spreadsheet →Want to see your debt-free date and exactly when your DTI drops below your target? Use the free debt payoff calculator — enter any balance and payment to map out your timeline.
Try the Calculator →Want to see how others paid down debt and improved their financial picture? Read real debt payoff stories — real timelines and what finally made the difference.
Read Stories →Want strategy guides on paying down debt? Browse the debt payoff blog — breakdowns on consolidation, payoff methods, and how to accelerate your timeline.
Read the Blog →Your DTI and net worth move together as you pay down debt. Use the net worth calculator — see assets minus liabilities and track both numbers improving with every payment.
Net Worth Calculator →The fastest way to lower your DTI is to eliminate high-interest debt first. Use the avalanche payoff calculator — see exactly how targeting your highest rate drops your ratio fastest.
Avalanche Calculator →Clearing small debts with the snowball method eliminates those minimum payment obligations entirely. Use the snowball calculator — see how removing each payment improves your DTI month by month.
Snowball Calculator →Cutting interest to 0% means more of each payment reduces your balance — and your DTI. Use the balance transfer calculator — see how quickly your balance drops when no interest accrues.
Balance Transfer Calculator →Not sure what gross income, front-end ratio, or back-end DTI means? Browse the debt payoff glossary — plain-English definitions for every term lenders use to evaluate your finances.
Debt Glossary →