Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio (DTI), monthly debt burden, remaining income, and see how reducing debt could improve your ratio.
Your Income
Monthly Debt Payments
What Your DTI Means
Monthly Debt Breakdown
See how each debt category contributes to your total monthly debt payments.
How Much Debt Could You Reduce?
See the maximum monthly debt payment corresponding to different DTI targets.
Debt Reduction Scenarios
See how reducing your monthly debt payments could change your DTI.
| Debt Reduction | Monthly Debt | New DTI | Change |
|---|---|---|---|
| Current | $0 | 0% | — |
| $100/month | $0 | 0% | 0% |
| $250/month | $0 | 0% | 0% |
| $500/month | $0 | 0% | 0% |
DTI Ratio Guide
General DTI ranges for educational comparison.
What Is Debt-to-Income Ratio?
Debt-to-income ratio, commonly called DTI, compares your monthly debt payments with your gross monthly income. It is commonly used by lenders as one factor when evaluating a borrower's ability to manage monthly debt obligations. A lower DTI generally means that a smaller portion of your income is committed to debt payments.
How Is DTI Calculated?
The basic DTI calculation divides your qualifying monthly debt payments by your gross monthly income and multiplies the result by 100. For example, if your gross monthly income is $6,000 and your qualifying monthly debt payments total $2,100, your DTI is 35%.
What Is a Good DTI Ratio?
There is no single DTI ratio that guarantees approval for every type of loan. Different lenders and loan programs can use different standards. Use this calculator as an educational tool to understand your current debt burden and compare possible scenarios.
How Can I Lower My DTI?
You may be able to lower your DTI by reducing monthly debt payments, paying down debt, refinancing when appropriate, increasing qualifying income, or avoiding taking on additional monthly obligations. The debt reduction scenarios above show how lower monthly debt payments could affect your calculated ratio.
The Debt-to-Income Ratio Calculator USA is a free online tool that helps you understand how your monthly debt payments compare with your gross monthly income. Enter your monthly income and debt payments, including housing, credit cards, auto loans, student loans, personal loans, and other debts, to calculate your back-end DTI ratio. The calculator also shows your front-end DTI, total monthly debt, remaining gross income, and estimated monthly debt limits at different DTI levels. You can compare debt reduction scenarios to see how paying down $100, $250, or $500 in monthly obligations could affect your DTI ratio. This tool can help you better understand your current debt burden and prepare for financial planning or loan applications. DTI requirements vary between lenders, loan programs, and individual financial circumstances, so the results should be used for educational purposes only and do not guarantee loan approval or eligibility.