Finance
›Debt-to-Income (DTI) Ratio Calculator

💰 Debt-to-Income (DTI) Ratio Calculator

Calculate your debt-to-income ratio to understand how lenders view your financial health and your ability to make payments.

The calculation is based on dividing your monthly debt payments by your gross monthly income.

Incomes (Before Tax)

$
$
$interest, capital gain, dividend, rental income...
$gift, alimony, child support...

Debts / Expenses

$
$
$
$
$
$
$
$
$personal loan, child support, alimony, etc.

Results

Debt-to-Income (DTI) Ratio: 0.0%

Safe
Caution
Very Stressful
0%35%50%100%
0.0%

Your DTI ratio is safe.

Back-End DTI Ratio:0.0%
Front-End DTI Ratio:0.0%
Total Income:$0 / year or
$0 / month
Total Debt:$0 / year or
$0 / month

Income Breakdown

100.0%Remaining
Housing: NaN%
Other Debts: NaN%
Remaining: NaN%

DTI Guidelines

  • A DTI ratio of 35% or less is generally considered good.
  • Most lenders prefer a back-end DTI ratio of 36% or less.
  • Some loan programs may accept ratios up to 43-50% in specific situations.
  • Front-end DTI (housing costs) should ideally be 28% or less.