Debt-to-Income Calculator

How this calculator works

• DTI = total monthly debt payments ÷ gross monthly income.
• We calculate it with and without your proposed new payment.
• Rule of thumb: 36% or less is comfortable, 36% to 43% is stretched, above 43% is high.

Debt-to-Income Calculator FAQs

What counts as debt in DTI?

Rent or mortgage, car loans, credit card minimums, student loans and other regular debt payments.

Is a high DTI a problem?

It can make borrowing harder and riskier. Lenders have different limits.

For information and planning only. Not financial, legal or tax advice. Results are estimates.