Debt-to-Income (DTI) Calculator
Your debt-to-income ratio compares the debt payments you make every month with your gross monthly income. Enter both figures to see your DTI as a percentage. Lenders use it to judge how much additional payment your budget can carry.
Frequently asked questions
- How is DTI calculated?
- Add up your recurring monthly debt payments — the proposed mortgage payment, car loans, student loans, minimum credit card payments, child support — and divide by your gross (pre-tax) monthly income. Multiply by 100 for a percentage.
- What DTI do lenders look for?
- It depends on the program. Many conventional programs look for a DTI at or below the low-to-mid 40s, government-backed programs can allow more with compensating factors, and some non-QM and DSCR programs qualify on different measures altogether. Every lender sets its own limits. Results are estimates for planning only, not financial advice, a credit decision, or an offer of credit. A loan officer can confirm the numbers that apply to you.
- What counts as monthly debt?
- Payments that appear on your credit report or are legally required: loans, leases, minimum card payments, alimony and child support. Utilities, groceries, insurance premiums and subscriptions are usually not counted.
Want a loan officer to look at your numbers? The Loan Officer matches borrowers with loan officers for non-QM, DSCR, bank-statement and hard-money scenarios.
The Loan Officer is a loan-matching marketplace, not a lender or mortgage broker. It does not set rates, make credit decisions, or originate loans. Equal Housing Opportunity.