Debt-to-Income Ratio Calculator

Your DTI ratio in seconds — the number lenders look at first.

Monthly debt payments ($):

Gross monthly income ($):

How to use

Enter monthly debt payments and gross income, then click Calculate. Everything runs in your browser — nothing is uploaded or stored.

What DTI do mortgage lenders want?

Under 36% is ideal; most cap around 43–45%.

Which debts count?

Monthly minimums: cards, auto, student loans, housing — not utilities or groceries.

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