Debt-to-Income Calculator
Calculate your DTI ratio instantly and see if you qualify for a mortgage
Enter Your Financial Information
Your DTI Ratio
Understanding Your DTI Ratio
Your debt-to-income ratio is a key factor lenders use to determine your mortgage eligibility
Excellent DTI (Under 20%)
You have excellent financial health with low debt relative to income. Lenders will view you as a low-risk borrower with access to the best rates and terms.
Good DTI (20% – 36%)
You have good financial standing. Most lenders will approve you for competitive mortgage rates, though you may want to pay down some debt before applying.
Fair DTI (37% – 43%)
Your DTI is manageable but approaching lender limits. Consider paying down debt or increasing income before applying for a mortgage to get better terms.
High DTI (Over 43%)
Your debt load is high relative to income. Focus on debt reduction strategies and consider waiting to apply for a mortgage until you improve this ratio.
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Use our mortgage affordability calculator to see exactly how much house you can afford
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