Debt-to-income Calculator

Discover your debt-to-income ratio (DTI).

Determine Your Eligibility for a Mortgage

Debt-to-income ratio
36
Your DTI is very good. Having a DTI ratio of 36% or less is considered ideal, and anything under 20% is excellent.
Your DTI is good. Having a DTI ratio of 36% or less is considered ideal.
Your DTI is OK. It's under the 50% limit, but having a DTI ratio of 36% or less is considered ideal. Paying down debt or increasing your income can help improve your DTI ratio.
Your DTI is over the limit. In most cases, 50% is the highest debt-to-income that lenders will allow. Paying down debt or increasing your income can help improve your DTI ratio.
2100
Total monthly debts
Mortgage payment
Remaining mo. income

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Considering all the up-front costs associated with buying a home will help you determine if you have the appropriate cash reserves.

What Is a Debt-to-Income Ratio & How Does That Affect Me?

Your debt-to-income ratio (DTI) helps lenders determine whether you're able to safely afford a house. They will take your monthly debts (mortgage or rent, car payments, credit card payments, student loans, etc) and divide that number by your monthly gross income. A healthy DTI can be up to 43%, but will depend on your specific financial circumstances.

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