Debt-to-income ratio
Compute your debt-to-income (DTI) ratio from your monthly debts and income.
- Instant
- Free
- Private (processed locally)
- No sign-up
Measure your debt load
Enter your monthly debts and your gross income: the tool shows your DTI as a percentage and places it on a healthy → high scale.
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Total debts
Monthly payments.
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Gross income
Monthly, before taxes.
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Read the ratio
And its category.
Reading the DTI
- ≤ 36%: healthy
- 37–43%: watch out
- > 43%: high
- The lower the DTI, the easier credit access
Example: 1,500 debt, 5,000 income
| Item | Value |
|---|---|
| Monthly debts | 1,500 |
| Gross monthly income | 5,000 |
| DTI | 30% |
| Category | Healthy |
Indicative estimate; thresholds vary by lender and country. 100% local calculation, not financial advice.
Frequently asked questions
What is the DTI formula?
DTI = monthly debt payments ÷ gross monthly income × 100. Example: 1,500 ÷ 5,000 = 30%.
What DTI should I aim for?
Many lenders prefer ≤ 36%. Between 37 and 43% is still acceptable; above 43%, credit access gets harder.
Which debts should I include?
Recurring monthly payments: mortgage or rent, car loans, student loans, card minimums. Not everyday spending like groceries.
Gross or net?
DTI uses gross income (before taxes and deductions), as most lenders do.