Debt-to-Income Calculator

Find your DTI ratio from debts and income.

Debt-to-income (%) 30

Formula: DTI = monthly debt ÷ gross monthly income × 100

Step-by-step with your numbers:

1. Values used:

2. Monthly debt payments = 1,500 $

3. Gross monthly income = 5,000 $

5. Debt-to-income = 30%

Did we solve your problem today?

Lenders use DTI to judge how much of your income goes to debt.

The math behind it

DTI = total monthly debt payments ÷ gross monthly income × 100. Under 36% is generally healthy.

$1,500 debt on $5,000 income → 30%.

What's a good DTI?

Most lenders prefer 36% or less; 43% is often the ceiling for a qualified mortgage.