Your DTI ratio is one of the most important numbers lenders look at. Find out yours — and see if you'd qualify for a mortgage, auto loan, or personal loan.
💵Monthly Gross Income
Before taxes and deductions — include all income sources.
$
$
$
🧾Monthly Debt Payments
Minimum required payments only — don't include utilities, groceries, or subscriptions.
$
$
$
$
$
$
Where You Fall
0%36%43%50%100%
0 – 35%
Excellent
36 – 42%
Manageable
43 – 49%
Stretched
50%+
Overleveraged
Lender Qualification Guide
How your DTI compares to common loan program limits.
Your Debt Breakdown
DTI = total monthly debt payments ÷ gross monthly income. Lender limits are general guidelines and may vary. This is not financial advice or a loan pre-approval.