Debt-to-Income Ratio Calculator: Check Your DTI for 2026
Calculate your debt-to-income ratio to see if you qualify for a mortgage or loan. Enter your income and monthly debt payments instantly.
How Debt-to-Income Ratio Is Calculated
DTI measures the percentage of your gross monthly income that goes toward debt payments.
Lenders typically require DTI below 36% for conventional loans, though FHA allows up to 43% and some programs allow up to 50% with compensating factors.
How to Use the Debt-to-Income Ratio Calculator
Enter your gross monthly income
Use your pre-tax monthly income from all sources including salary, bonuses, and side income.
Enter your monthly debt payments
Include mortgage/rent, car payment, student loans, credit card minimums, and any other recurring debt.
Add a proposed new payment (optional)
If you're applying for a new loan, enter the expected monthly payment to see your projected DTI.
Review your DTI assessment
See your current DTI, projected DTI with new debt, and a rating of your qualification likelihood.
Real-World Scenario Example
"A homebuyer earning $6,000/month gross with $1,500 mortgage, $350 car payment, $200 student loans, and $150 credit card minimums."
Inputs
Result
Total monthly debt: $2,200. DTI ratio: 36.7%. Rating: Caution — at the edge of conventional loan limits.
Important Disclaimer
This calculator provides estimates for informational purposes only. Actual lending decisions depend on credit score, employment history, assets, and other factors. Consult a mortgage professional for personalized qualification advice.
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