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💸 Free Tool

Debt-to-Income
Calculator

Your DTI ratio is one of the first things lenders check. Know your number before they do.

Monthly Gross Income

Your income before taxes and deductions. Include all sources.

Primary income (monthly, before tax)
Other income — side hustle, rental, etc. (optional)
Monthly Debt Payments

Enter the minimum monthly payment for each debt — not the balance.

Debt name
Estimated new mortgage / rent payment (optional)
0%
Your debt-to-income ratio
0% 36% ideal 43% max 50%+

Lender DTI Thresholds

Under 36% — Conventional loan: best rates, easiest approval
Under 43% — FHA loan: government-backed, more flexible
43–50% — Some lenders accept with compensating factors
Over 50% — Most lenders will decline

Affiliate disclosure: Some links on this page are affiliate links. Credit Rebuilt may earn a commission at no extra cost to you. This tool is for educational purposes only and is not financial advice.

DTI Too High?

A free debt relief consultation could help you lower your monthly payments and improve your DTI ratio.

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DTI ratios and lending thresholds vary by lender, loan type, and other factors. This calculator is for educational purposes only. Consult a licensed mortgage or financial professional before making decisions.
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