Finance
Debt-to-Income Ratio Calculator
Your debt-to-income (DTI) ratio is one of the most important numbers lenders look at. See where you stand and what it means.
Monthly Debts
DTI Ratio
39.2%
Category
Concerning
Total Monthly Debt
$2,350
How you compare
Frequently asked questions
What is a good DTI ratio?
Below 36% is considered good by most lenders. Between 36-43% is concerning — you may still qualify for loans but with less favorable terms. Above 43% is high risk, and many lenders will deny mortgage applications.
How do I improve my DTI?
Increase your income (raise, side hustle, second job) or decrease your monthly debt payments (pay off credit cards, refinance to lower payments, avoid new debt). Even small changes can move the needle significantly.
What debts are included in DTI?
Lenders include all recurring monthly debt obligations: mortgage/rent, car loans, student loans, credit card minimum payments, personal loans, child support, and alimony. They exclude utilities, groceries, insurance, and discretionary spending.
Does DTI affect my credit score?
No — DTI is not part of your credit score calculation. However, lenders use DTI alongside your credit score when deciding whether to approve loans and at what interest rate. A high DTI can lead to loan denials even with a good credit score.
Calculate your debt-to-income ratio with our free DTI calculator. Enter your monthly income and recurring debt payments to instantly see your DTI percentage and what it means for your financial health.
Your DTI ratio is a key metric that lenders use to evaluate loan applications. Understanding your DTI helps you make informed decisions about taking on new debt and improving your financial profile.