Credit FactorDebt-to-Income (DTI) Calculator
Your DTI ratio compares your monthly debt payments to your gross monthly income. Lenders use this to evaluate your ability to manage payments.
Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates and may not reflect your actual situation. Your inputs stay in your browser and are not stored or transmitted.
Monthly Debt Payments ($)
Your DTI Ratio
34.0%
Good
$1,700 in monthly debts / $5,000 monthly income
Good. Most lenders consider a DTI under 36% manageable. You may qualify for competitive rates.
What Your DTI Means for Applications
Mortgage (typical max: 43%)
Most qualified mortgages require DTI at or below 43%. Some programs allow up to 50% with compensating factors.
Auto Loan (typical max: 50%)
Auto lenders typically prefer DTI below 50%, though lower is better for competitive rates.
Credit Card (typical max: 40%)
Credit card issuers generally look for DTI below 40%, but approval also depends on income and credit score.
DTI thresholds are general guidelines and vary by lender. Source: CFPB.
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