DTI Calculator - Debt-to-Income Ratio
Understand your financial health and estimate your maximum loan capacity
What is DTI (Debt-to-Income Ratio)?
DTI is a key financial metric that compares your monthly debt payments to your gross monthly income. Lenders use this ratio to assess your ability to manage monthly payments and determine your loan eligibility. A lower DTI indicates better financial health and higher loan approval chances.
DTI Ranges and What They Mean
Outstanding financial health. You have significant room for additional credit and will qualify for the best rates.
Healthy financial position. Most lenders will view you favorably and offer competitive rates.
Acceptable debt level. You can still qualify for loans, but may not get the best rates.
High debt burden. Loan approval may be challenging, and you should focus on debt reduction.
Critical debt level. Most lenders will be hesitant to approve new loans. Focus on paying down existing debt.
Want to Calculate Your DTI?
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