Live
No signup
Debt-to-Income Calculator
Financial health in one number.
Sum all monthly payments: cards, loans, mortgage, car.
Your DTI
30.0%
OK · manageable
How this tool works
DTI (Debt-to-Income) is the metric banks use to decide whether to lend to you. Simple: sum of all monthly debt payments divided by gross monthly income, as a percentage.
Below 28% you're a healthy client, easy to approve. 28-36% is manageable. Above 36% red zone starts: serious banks will deny large loans. Above 50% you're in urgent refinance territory.
Formula
DTI = (Σ monthly debt payments / Gross monthly income) × 100
Frequently asked questions
- Which payments count as debt?
- Credit card (minimum payment), personal loans, auto loans, mortgage, consumer credit, leasing. Does NOT count: rent, utilities, food.
- Card: total or minimum?
- For standard bank DTI: minimum payment. But for real self-diagnosis, use the payment needed to clear balance in 6-12 months — not the minimum that keeps you in debt.
- What does the bank do if my DTI is 45%?
- They approve small loans at higher rates. Mortgage: likely auto-rejection. New card: reduced limit. Refinance: they'll offer 'consolidation' at worse rates.
- How do I lower it fast?
- Two paths: pay highest-rate debt first (avalanche) or raise income (second job, freelance). Calculate freelance rate with the rate calculator.