Debt-to-Income Ratio (DTI) calculator
See how lenders measure your financial health and what your number means.
Your debt-to-income ratio is the percentage of your gross monthly income that goes to debt payments. Lenders use it to decide if you can afford a new loan or mortgage.
Your DTI ratio
22.9%Excellent(<36%)
0%36%43%50%60%+
Your debt is very manageable relative to your income. Lenders prefer this range — you're well-positioned for the best mortgage and loan rates.
<36% Excellent
36–43% Good
44–50% High
>50% Very High
Ready to tackle all your debts?
Try the full Credit Card Payoff Calculator — see every card, every strategy and exactly when you'll be debt-free.
Open the debt calculatorEstimates only. Not financial advice.