Debt-to-Income (DTI) Calculator
Lenders use your debt-to-income ratio to judge how much new debt you can handle. Lower is better — most mortgages want 43% or below.
Your details
Debt-to-income ratio
30.00%
- Income after debts
- $4,200.00
Debt-to-income ratio30.00%
Formula
DTI = total monthly debt payments ÷ gross monthly income × 100.
Frequently asked questions
What DTI do lenders want?⌄
Many mortgage programs cap total DTI around 43%, with the strongest terms below 36%. Lower ratios mean more borrowing room and better rates.
Sources & methodology
- •CFPB — debt-to-income ratio — CFPB
Last updated: 2026-07-20
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What Is Debt-to-Income (DTI) and Why It MattersYour debt-to-income ratio is the single number lenders lean on most. Here's how it's calculated, what counts, and the thresholds that decide your rate.How Much House Can You Afford?Income, debts, down payment, and the full PITI payment all decide your real budget. Here's how lenders — and you — should do the math.
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