Debt-to-Income (DTI) Ratio Calculator

Check your loan eligibility with DTI ratio.

Total Monthly Debt ($) Gross Monthly Income ($)

What is Debt-to-Income (DTI) Ratio Calculator?

Your Debt-to-Income ratio is the single most important number lenders look at when deciding whether to approve your loan application. This calculator instantly computes your DTI so you know exactly where you stand before applying.

How to Use This Tool

1. Add up all your monthly debt payments (rent, cards, existing loans). 2. Enter your total gross monthly income before taxes. 3. Click calculate to get your DTI percentage.

💡 Pro Tip: If your DTI is too high, paying off a small loan entirely — even a low-balance credit card — can move the needle significantly. Calculate your new DTI after each debt payoff to track your progress!