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Debt-to-Income ratio calculator

Use debt-to-Income ratio calculator to calcualte the ratio of monthly recurrent debt to overall income.

A low DTI shows you have a good balance between debt and income. The lower DTI the greater the chance you will be able to get the loans or credit you seek. Lenders have a general rule that your debt-to-income ratio should not exceed more than 36% of your income.

Debt-to-Income ratio Calculator 
Gross Recurring Monthly Debt $
Gross Monthly Income $
Debt-to-Income Ratio (%)
 
  

How to use the Debt-to-Income ratio calculator

Below are some generally accepted debt ratios for different types of loans:
  • 36% for conforming mortgages
  • 38-40% for some jumbo programs
  • 41% for FHA and VA
Enter your gross monthly income
  • Gross Monthly Income - Your household income before taxes and deductions.
Enter your gross monthly recurring debts
  • Monthly mortgage payment
    • Principle payment
    • Interest payment
    • 1/12 of the annual property tax
    • 1/12 of the annual premium for homeowner's insurance
    • Home owner's association dues if the property is a condo or PUD(planned unit development)
  • Credit Card Obligation (minimum)
  • second loan or other loans
  • Car loans
  • Student loans
  • Alimoney
  • Child support
Click the "Calculate" button to find the result.

Note: The information provided on or through this site and all mortgage calculators is for purposes of general consumer education only. and is not intended as a substitute for advice from a qualified professional.
 
 
Mortgage Rate 
Loan Type Rate APR
30-Year Fixed 4.215% 4.340%
15-Year Fixed 3.500% 3.625%
7/1 ARM 3.375% 3.400%
5/1 ARM 3.000% 3.125%
 
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