DTI Calculator — Know If You Qualify for a Loan
Calculate your debt-to-income ratio used by banks to evaluate loan applications. Find out if your DTI is healthy and how to improve it before applying.
Your debt-to-income ratio is one of the most important numbers lenders look at when evaluating your loan application. It compares your total monthly debt payments to your gross monthly income. A DTI below 36% is considered healthy while above 43% makes loan approval difficult. Before applying for any major loan calculate your DTI and take steps to lower it if needed by paying off existing debts or increasing income.
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Key Information
| Parameter | Details |
|---|---|
| Healthy DTI | Below 36% |
| Acceptable DTI | 36% - 43% |
| High Risk DTI | Above 43% |
| Conventional Mortgage Max DTI | 43% - 45% |
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Use Calculator NowFrequently Asked Questions
What is a good debt-to-income ratio?
For most loan types a DTI of 36% or below is considered good. For conventional mortgages lenders prefer 43% or below. FHA loans may accept up to 50% DTI in some cases. VA loans have no specific DTI limit but 41% is the guideline. The lower your DTI the better interest rates you will receive and the more likely your loan approval.
How do I calculate my DTI?
Add up all monthly debt payments: mortgage or rent car loan EMI student loan payments credit card minimum payments personal loan EMIs. Divide this total by your gross monthly income (before tax). Multiply by 100. Example: $2000 total monthly debts divided by $6000 gross income = 33% DTI which is healthy.
How can I lower my DTI quickly?
Pay off smallest debts first to eliminate payments completely. Increase your income through side work or ask for a raise. Avoid taking on new debt before applying for a major loan. Refinance existing high-interest debt to lower payments. Consider paying off credit card balances in full as even minimum payments count toward DTI.
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Last updated: 24 March 2026