Use our free Debt-to-Income Ratio (DTI) Calculator to quickly check your monthly debt vs income percentage. See if you’re in a healthy financial range for loans and mortgages.
30.0%
Healthy range ✅
Steps to Use the Debt-to-Income Ratio Calculator (DTI):
Enter your total monthly debt payments (loans, credit cards, car payments, etc.).
Enter your gross monthly income (before taxes and deductions).
Adjust values using the sliders or type them in directly.
View your DTI ratio percentage instantly inside the results box.
Check the message to understand whether your DTI is Excellent, Good, Fair, or High Risk.
The Debt-to-Income Ratio (DTI) is calculated using the formula:
DTI Ratio (%) = ( Total Monthly Debt Payments ÷ Gross Monthly Income ) × 100
Example: If your monthly debt is $1,500 and your monthly income is $5,000 → DTI = (1500 ÷ 5000) × 100 = 30%.
A Debt-to-Income Ratio (DTI) compares your monthly debt payments to your monthly income, showing how much of your income goes towards debt repayment.
A DTI of below 36% is generally considered healthy. Under 20% is excellent, 20–36% is good, 36–43% is fair, and above 43% is high risk.
Lenders use DTI to measure your ability to manage debt. A lower DTI increases your chances of loan approval with better interest rates.
You can reduce your DTI by increasing income, paying off high-interest debts, consolidating loans, or avoiding new credit until existing debt is under control.
No, DTI does not directly impact your credit score, but high debt levels (which raise DTI) may indirectly affect your borrowing power.
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