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Debt-to-Income Calculator
Calculate your DTI ratio instantly. Lenders use DTI to decide if you qualify for a mortgage or loan — know your number before you apply.
Excellent
Under 36%
Most lenders prefer this
Acceptable
36–43%
FHA loans may approve
High Risk
Above 43%
Hard to get approved
Your Numbers
Gross monthly income$0
Current monthly debt$0
New loan payment$0
Current DTI0%
DTI with new loan0%
Max debt for 36% DTI$0
Room for more debt$0
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Frequently asked questions
What is a good DTI ratio?
Most conventional lenders prefer a DTI below 36%. FHA loans may accept up to 43-50% with compensating factors like a high credit score or large down payment. The lower your DTI, the better your loan terms will be.
Does DTI use gross or net income?
Lenders calculate DTI using gross (pre-tax) monthly income, not take-home pay. This means your DTI looks better than it feels day-to-day since you can not actually spend your gross income.
How can I lower my DTI?
You can lower your DTI by paying off debts (especially small balances with minimum payments), increasing your income, or avoiding taking on new debt before applying for a loan. Even paying off a small credit card can meaningfully reduce your DTI.
Is this calculator free?
Yes — completely free with no account or signup required.