Debt-to-income ratio

Calculate your DTI the way lenders do, and see where it falls.

Gross monthly income (before tax) ($)

Rent or mortgage ($/mo)

Auto loans ($/mo)

Card minimums ($/mo)

Student and other loans ($/mo)

Lenders count minimum required payments, not utilities, groceries or insurance.

Debt-to-income ratio37.2%Manageable

Monthly debt payments$2,420

Many lenders look for≤ 36%–43%

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Educational estimate based on what you enter. Not a credit score, a lending decision or financial advice.