What counts as a monthly debt payment?

Recurring debt obligations — loan payments, minimum credit card payments, and similar — not everyday living expenses like groceries or utilities.

Is a lower DTI always better?

For loan qualification, yes — a lower DTI generally means more room in your budget and looks better to lenders, though this calculator only reports the ratio and doesn’t make a qualification decision.

Debt-to-Income Ratio Calculator

Loans & Debt

Calculate your debt-to-income (DTI) ratio and see how it compares to common lender thresholds.

Display currency

Changing the display currency only changes the symbol shown — amounts aren't converted, since this tool doesn't use live exchange rates.

Total monthly debt payments

Gross monthly income

Debt-to-income ratio

≤ 36% — generally considered comfortable
36–43% — a common maximum many lenders use for mortgage qualification
> 43% — may limit loan options with many lenders

How this is calculated

DTI = (total monthly debt payments ÷ gross monthly income) × 100. Commonly cited lender thresholds are around 36% (comfortable) and 43% (a common maximum for mortgage qualification), though exact limits vary by lender and loan type.

Frequently asked questions

What counts as a monthly debt payment?: Recurring debt obligations — loan payments, minimum credit card payments, and similar — not everyday living expenses like groceries or utilities.
Is a lower DTI always better?: For loan qualification, yes — a lower DTI generally means more room in your budget and looks better to lenders, though this calculator only reports the ratio and doesn’t make a qualification decision.

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