Debt-to-Income Ratio Calculator
Summary
Calculates the percentage of your gross monthly income that goes toward debt payments — a key metric lenders use to evaluate creditworthiness.
Example
With $1,000 in monthly debt and $5,000 in gross income, your DTI is 20% — considered excellent by most lenders.
Explanation of Results
DTI Ratio is your monthly debt as a percentage of income. Under 36% is excellent, 36–43% is manageable, 43–50% may limit credit access, and above 50% signals financial stress. Remaining Income is what's left after debt obligations each month.
