Debt-to-Income Ratio Calculator

Find out your DTI ratio instantly and see whether lenders will approve you for a mortgage, car loan, or personal loan.

Monthly Income
$
Before taxes — use all sources combined
$
Spouse or co-signer's gross monthly income
Monthly Debt Payments

Your DTI Results

—
Debt-to-Income Ratio
0% 20% Great 36% Good 43% Max 50%+

Monthly Breakdown

How Lenders View Your DTI

Conventional Mortgage Max ~36–43%
FHA Loan Max ~43–50%
VA Loan Guideline ~41%
Personal Loan Typically <40%
Auto Loan Typically <45%