Debt to Income Calculator
Your Debt-to-Income (DTI) ratio is a percentage that compares your total monthly debt payments to your gross monthly income. Mortgage lenders use this metric to evaluate your financial stability and determine if you can comfortably afford to take on a new home loan.
Related reading
Learn how lenders evaluate your DTI and how it fits into the bigger mortgage picture.
Featured article
- Debt-to-Income (DTI) Ratios: What Lenders Are Actually Looking For in 2026
The exact DTI numbers lenders want to see and how to improve yours before applying.
Related guides
- Anatomy of a Mortgage Payment: PITI Explained
Understand what counts toward your housing debt when lenders calculate DTI.
- Navigating the US Mortgage Market
Where DTI fits among the other factors lenders weigh when reviewing your file.
- How to Drop PMI: The 78% Rule
Lowering PMI lowers your monthly housing debt — and improves your DTI.
FAQ articles
- Mortgage Qualification FAQ
How DTI, credit, and income work together to determine what you qualify for.
- Mortgage Process & Approval FAQ
What to expect from application through approval and beyond.
- First-Time Home Buyer FAQ
Answers to the most common questions for buyers planning their first mortgage.
Results are estimates only and may not reflect your final loan terms. Consult a licensed mortgage professional before making a financial decision.