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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How Much House Can You Afford?How to work out your real home budget from income, debts, down payment, and full PITI — the way lenders actually decide.What Is Debt-to-Income (DTI) and Why It MattersDebt-to-income ratio explained: how DTI is calculated, the 28/36 rule, the thresholds lenders use, and how to lower it.
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