Debt-to-income calculator
See your debt-to-income ratio the way lenders calculate it.
Debt-to-income (DTI) is one of the first things a lender checks, and one of the few tests you can run on yourself first. Most lenders look for 36% or under.
Debt-to-income
Enter your monthly debt payments and gross monthly income. We'll show your ratio and where it stands.
Count what a lender sees on your credit file - rent or mortgage, loans, card minimums - against income before tax. 36% is the usual comfort line, 43% the mortgage ceiling. Lenders set their own limits and weigh more than this one ratio.
Estimates only, based on the figures you enter, not an offer of credit. Your actual rate and payment depend on the lender and your circumstances.
Reading your result
| Your result | What it means |
|---|---|
| Debt-to-income | Your monthly debt payments divided by your gross monthly income, before taxes. |
| Where that sits | How your debt-to-income ratio lines up with the ranges lenders commonly consider. |
| Room before 36% | How much additional monthly debt you could take on before your ratio reaches 36%. |
Lenders count rent or mortgage, loan payments, and card minimums against your income before tax. They each set their own limits and weigh this ratio differently, so 36% and 43% are common benchmarks, not universal rules.