Calculate your debt-to-income ratio
Calculate your debt-to-income ratio from monthly debt payments and gross income, and see it against common lender thresholds.
Common lender bands: 36% or below is healthy, 37 to 42% is manageable, 43 to 49% is concerning, 50% or above is high risk. Individual lenders set their own cutoffs.
Broken out by rent/mortgage, car loan, credit cards, student loan, and other.
Before taxes and other deductions.
Total debt as a percentage of income, plus which lender band it falls into.
Frequently asked
What is debt-to-income ratio?
The percentage of your gross monthly income that goes toward debt payments. Lenders use it, alongside credit score and other factors, to gauge how much additional debt (like a mortgage) you can reasonably take on.
What DTI counts as good?
As a rough guide: 36% or below is generally considered healthy, 37 to 42% is manageable, 43 to 49% is concerning, and 50% or above is high risk. Individual lenders and loan programs set their own actual cutoffs.
Does this include utilities or groceries?
No. DTI is specifically about debt payments (loans, credit cards, etc.), not general living expenses like utilities, groceries, or insurance.
Is this financial or tax advice?
No. This is a general estimate for planning purposes only, not financial, investment, or tax advice. Rates and figures can change. Confirm current numbers with a qualified professional before making decisions.