Debt-to-Income Ratio Calculator
Determine if you qualify for loans based on your debt-to-income ratio
📚 How To Use the DTI Calculator
- Enter Monthly Income: Input your total gross monthly income
- Add Monthly Debts: Include all monthly debt payments (loans, credit cards, etc.)
- Calculate: Click to see your debt-to-income ratio
- Review Status: Check your loan qualification status
- Plan Action: Use insights to improve your financial position
💎 DTI Management Tips
Ideal DTI Range
Keep your DTI below 36% for best loan terms and financial health.
Pay Down Debt
Focus on paying off high-interest debts first to improve your DTI ratio.
Increase Income
Consider side income or career advancement to improve your DTI ratio.
Mortgage Guidelines
Most lenders prefer DTI ratios below 43% for mortgage approval.