Debt-to-Income Ratio Calculator
Calculate your DTI ratio to understand your financial health and loan eligibility
Enter Your Financial Information
Monthly Debt Payments
Your Debt-to-Income Ratio
0.0%
Excellent
Monthly Income:$0
Total Monthly Debts:$0
DTI Ratio:0.0%
What this means:
Excellent! You have a very manageable debt load and should qualify for the best loan terms.
DTI Ratio Guidelines
≤20%
Excellent
Very low debt burden, excellent loan prospects
21-36%
Good
Manageable debt, good loan qualification
37-43%
Fair
Higher debt burden, limited loan options
>43%
High Risk
Difficult to qualify for new loans
How to Improve Your DTI Ratio
Increase Income
- • Ask for a raise or promotion
- • Take on freelance or side work
- • Sell unused items
- • Consider a higher-paying job
Reduce Debt
- • Pay off credit card balances
- • Make extra payments on loans
- • Consolidate high-interest debt
- • Avoid taking on new debt