Debt-to-Income (DTI) Calculator
See how your monthly debts stack up against your income — a key signal lenders and landlords use.
Use your gross (pre‑tax) monthly income.
Total Monthly Debt$0.00
Monthly Income$0.00
Your DTI Ratio
0.0%
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Enter your income and monthly debts to see your DTI ratio and guidance.
DTI Guidelines: Under 36% is ideal, 36–43% is manageable, 43–50% may limit borrowing options, and over 50% signals financial stress.
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