Dti Calculator
Calculate your Debt-to-Income (DTI) ratio to assess your financial health. This calculator helps lenders evaluate your ability to manage monthly payments and repay debts.
Published by:
isCalculator Editorial Team
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How to use this tool?
How to Use the DTI Calculator
- Enter your Gross Monthly Income — This is your income before taxes (e.g., $5,000).
- Enter your Total Monthly Debt Payments — Include mortgage, loans, credit cards, etc. (e.g., $2,000).
- Click "Calculate DTI" — The calculator will compute your Debt-to-Income ratio.
- Review your result — The DTI percentage is shown along with a category:
- Good (below 36%) — healthy debt load
- Fair (36%–49%) — possible financial stress
- Poor (50% or above) — high debt load
- Check the formula breakdown — See exactly how the ratio was calculated.
Tip: All values must be positive numbers. Income cannot be zero. Use whole dollars or decimals (e.g., 2500.50).
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Frequently Asked Questions
Debt-to-Income (DTI) ratio is a personal finance measure that compares your total monthly debt payments to your gross monthly income. Lenders use it to assess your ability to manage monthly payments and repay debts.
Generally, a DTI ratio below 36% is considered good, 36-49% is fair, and 50% or higher indicates a heavy debt load. However, specific thresholds vary by lender.
DTI is calculated by dividing your total monthly debt payments by your gross monthly income, then multiplying by 100 to get a percentage. For example, if your debt is $2,000 and income is $5,000, your DTI is 40%.
