What is a good debt-to-income ratio?

Lenders generally view 36% or below as healthy, 37–43% as manageable, and above 43% as high risk. Many mortgage programs cap DTI around 43%.

How is DTI calculated?

DTI = total monthly debt payments ÷ gross monthly income × 100. It is expressed as a percentage of your pre-tax income.

Is my data uploaded anywhere?

No — every calculation runs locally in your browser and nothing is sent to a server.

Debt-to-Income Ratio Calculator

See your DTI ratio and where you stand with lenders.

Debt-to-income ratio calculator

Your debt-to-income ratio (DTI) is the share of your gross monthly income that goes toward debt payments. Lenders use it to judge how much new borrowing you can comfortably handle.

Enter your total monthly debt and gross monthly income to see your DTI percentage and the band it falls into — all calculated privately in your browser.