Disclaimer: This is educational content, not financial advice. Read our full disclaimer. If you need personalized help, contact an NFCC-certified counselor (free).
Debt-to-Income Ratio Calculator
Your DTI ratio is the percentage of your gross monthly income that goes to debt payments. Lenders use it to decide what you qualify for. Calculate yours in 30 seconds.
$
Include: rent/mortgage, car payments, student loans, credit cards (minimum payments), personal loans
$
Afterpay, Klarna, Affirm, etc. Most lenders don't ask — but they affect your real DTI.
$
DTI Ratio Ranges
| DTI Range | Rating | What It Means |
|---|---|---|
| 0-20% | Healthy | Strong position. Qualifies for most credit products. |
| 21-35% | Manageable | Acceptable to most lenders. Room for improvement. |
| 36-49% | Stressed | Many lenders restrict new credit. Consider a repayment plan. |
| 50%+ | Critical | Significant stress. Free counseling: NFCC 1-800-388-2227. |