DTI Calculator

Know your
debt-to-income
ratio.

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.

Instant DTI calculation
See lender thresholds
Track improvement over time

Monthly figures

$

Monthly debt payments

$
$
$
$
$
Total DTI
35.0%
Status
Good
Front-end DTI
23.3%
< 28% ideal
Total monthly debt
$2,100
all payments

Lender thresholds

Excellent
< 20%✗
Good
< 36%✓
Mortgage eligible (most)
< 43%✓
FHA loan max
< 50%✓

FAQ

Common questions