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Debt-to-Income Ratio Calculator
Calculate DTI ratio to see mortgage eligibility and financial health
Debt-to-Income Ratio Calculator
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Debt-to-Income Ratio
40.0%
Good
Total Monthly Debt
$2,400
All debt payments
Monthly Income
$6,000
Gross income
Mortgage Eligibility
Should qualify but rates may be higher
Based on DTI ratio
Debt Reduction Needed
$240
To reach ideal 36% DTI
Debt Breakdown
DTI Guidelines
Excellent (0-28%)
Strong financial health, best loan terms
Good (29-36%)
Healthy finances, qualify for most loans
Fair (37-43%)
May qualify but with higher rates
Poor (44%+)
Difficult to qualify for loans