Debt-to-Income Calculator
Calculate your debt-to-income ratio to see how lenders evaluate your finances. A lower DTI ratio improves your chances of qualifying for a mortgage with better terms.
Annual Gross Income
$
Housing Payment (rent or mortgage)
$
$/mo
$/mo
$/mo
$/mo
Your Debt-to-Income Ratio
37.6%
Acceptable
36%43%
You may still qualify for a mortgage, especially with strong compensating factors like a high credit score or large down payment.
Debt Breakdown
Housing Payment
$1,500Car Payments
$400Student Loans
$300Credit Cards
$150Total Monthly Debts$2,350
Monthly Gross Income$6,250