Calculyn

Debt-to-Income Ratio Calculator

Calculate your debt-to-income ratio (DTI) and see how lenders are likely to view it.

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Results update as you type.

Debt-to-income ratio

35%

Good — most lenders are comfortable at this level

Total monthly debt
$2,100
Max debt for 36% DTI
$2,160
Max debt for 43% DTI
$2,580
Debt-to-income ratio35%

Results are estimates for planning and are not financial advice.

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Quick answer

With $6,000 gross income and $2,100 in monthly debt payments, your DTI is 35% — in the range most lenders like to see.

How it works

Your DTI is your total monthly debt payments divided by your gross monthly income. Lenders use it to judge whether you can handle more debt.

Formula

DTI = total monthly debt payments ÷ gross monthly income × 100

Assumptions & limitations

  • Results are rounded for display.

Frequently asked questions

What DTI do I need for a mortgage?

Many lenders prefer 36% or below, though some loans allow up to 43% or even 50% with strong credit and savings.

Does DTI include utilities or groceries?

No. Only debt payments count: housing, loans, credit card minimums and similar obligations.