Debt-to-Income Ratio Calculator
Your debt-to-income ratio (DTI) is one of the most important numbers lenders look at when deciding whether to approve your mortgage, auto loan, or credit application. Select your income and debt level below to see your personalized DTI analysis.
DTI Rating Scale
Browse DTI Scenarios by Income
Click any cell to see a detailed DTI analysis with mortgage eligibility, improvement plans, and lender guidelines.
| Income ↓ / Debt → | $500/mo | $1,000/mo | $1,500/mo | $2,000/mo | $2,500/mo | $3,000/mo | $4,000/mo | $5,000/mo |
|---|---|---|---|---|---|---|---|---|
| $30,000/yr | 20% | 40% | 60% | 80% | 100% | 120% | 160% | 200% |
| $40,000/yr | 15% | 30% | 45% | 60% | 75% | 90% | 120% | 150% |
| $50,000/yr | 12% | 24% | 36% | 48% | 60% | 72% | 96% | 120% |
| $60,000/yr | 10% | 20% | 30% | 40% | 50% | 60% | 80% | 100% |
| $75,000/yr | 8% | 16% | 24% | 32% | 40% | 48% | 64% | 80% |
| $100,000/yr | 6% | 12% | 18% | 24% | 30% | 36% | 48% | 60% |
| $125,000/yr | 5% | 10% | 14% | 19% | 24% | 29% | 38% | 48% |
| $150,000/yr | 4% | 8% | 12% | 16% | 20% | 24% | 32% | 40% |
| $200,000/yr | 3% | 6% | 9% | 12% | 15% | 18% | 24% | 30% |
How to Calculate Your DTI
Include in monthly debt: mortgage/rent, car loans, student loans, minimum credit card payments, personal loans, child support, and alimony.
Do NOT include: utilities, groceries, insurance premiums, phone bills, subscriptions, or gas. These are expenses, not debt obligations.
Popular DTI Scenarios
Related Tools & Articles
Frequently Asked Questions
What is a good debt-to-income ratio?
Below 36% is considered good by most lenders. Below 20% is excellent and gives you access to the best loan terms. Most conventional mortgages cap at 43%, while FHA loans may go up to 50%.
How do I calculate my debt-to-income ratio?
Add up all your monthly debt payments (mortgage/rent, car payment, student loans, credit card minimums, etc.) and divide by your gross monthly income. Multiply by 100 to get your percentage.
Does rent count in DTI?
Yes, rent counts in your DTI calculation. When applying for a mortgage, lenders replace your rent payment with the projected mortgage payment to calculate your new DTI.
How can I lower my DTI quickly?
Pay off small debts entirely (credit cards, personal loans), consolidate high-interest debt, increase your income through raises or side income, and avoid taking on new debt. Even paying off one credit card can make a meaningful difference.