By CalculatorInn Team · Updated: 2026-03-22 · Free & accurate · Instant results
Calculate your debt-to-income (DTI) ratio — a key metric lenders use to determine loan eligibility.
Interactive Debt-to-Income Ratio Calculator
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DTI = (Total Monthly Debt Payments / Gross Monthly Income) × 100
Lenders typically want DTI below 36% for best rates and below 43% for mortgage qualification.
Input: Income: $5,000, Debts: $2,300
DTI: 46% — High risk
Above 43% makes it very difficult to qualify for a conventional mortgage.
Most conventional mortgages require DTI under 43%. FHA loans may allow up to 50% with compensating factors.
Monthly obligations like mortgage/rent, car loans, student loans, credit card minimums, and alimony. Utilities and groceries don't count.
Pay down debts, increase income, or avoid taking on new debt. Refinancing to lower payments also helps.
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