Calculate your debt-to-income (DTI) ratio instantly. Enter monthly income and debts to see your DTI percentage and loan qualification status. Free, private, no registration.
A fast and accurate DTI calculator for anyone planning to apply for a mortgage, car loan, or personal loan. Lenders use your debt-to-income ratio to assess your ability to repay debt. Most lenders prefer a DTI below 36%, with no more than 28% going toward housing. All calculations happen in your browser — no data sent anywhere.
A DTI below 36% is generally considered good by most lenders. For mortgage applications, many lenders prefer a housing ratio (front-end DTI) below 28% and a total DTI (back-end) below 36%. Some lenders may accept up to 43% for certain loan programs.
Yes, completely free. No sign-up, no ads, no usage limits.
Yes, this calculator gives you a good estimate of your DTI ratio, which is one of the key factors lenders use. However, lenders may also consider credit score, employment history, and other factors.
Absolutely. All calculations happen inside your browser. Nothing leaves your device.