Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio — a common measure lenders use to assess borrowing capacity.
Debt-to-Income Ratio
20%
- Category
- Excellent
Assumptions
- Ratio bands shown are commonly cited by US mortgage lenders, not a regulatory standard
How it's calculated
Debt-to-income ratio = (monthly debt payments / gross monthly income) × 100.
Worked example
$1,200 in monthly debt payments against $6,000 gross monthly income gives a 20% ratio.
Frequently asked questions
Is there an official 'good' DTI ratio?
No single official standard — the categories shown are commonly cited lender guidelines, not a regulation.