DTIDecode™
Enter your monthly gross income and recurring monthly debts.
Your DTI ratio
Lower ratios are generally viewed more favorably by lenders.
Enter your info to see your result.
- Monthly income
- $0
- Monthly debt
- $0
- DTI category
- Not calculated
- Typical mortgage limit*
- N/A
*Many mortgage lenders look for a DTI at or below 43%, though some programs allow higher or require lower. Always check specific lender criteria.
How your DTI is interpreted
Your Debt-to-Income (DTI) ratio compares your monthly debt payments to your gross monthly income. It's one factor lenders use to assess risk.
Many lenders view this range favorably. You may have more flexibility for new credit, depending on other factors.
You may still qualify with many lenders, but your options or terms could be more limited.
Many traditional lenders may consider this range risky. You might need to reduce debt or increase income to qualify.
Formula used Show
DTI = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100
Example: If you pay $2,000 per month in debt and earn $6,000 per month before taxes, your DTI is (2,000 ÷ 6,000) × 100 = 33.3%.