Debt-to-Income (DTI) Calculator
Check whether a lender is likely to approve you, using the ratio they actually look at.
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Enable JavaScript to use the interactive Debt-to-Income (DTI) Calculator. The input fields and calculations run in your browser.
How it works
DTI = monthly debt payments ÷ gross monthly income × 100. Many lenders use ~36% as a comfort line and 43% as a common maximum for mortgages (rules vary by lender and loan type).