Debt-To-Income Ratio (DTI) Calculator

1. Your annual income (pre-tax):
2. Are you a renter or homeowner?
3. Monthy rent payment:
4. Your monthly debt payments:

Credit card mins:

Student loan:


Car loan:

Alimony/child support:


Calculator Tips

What is my debt-to-limit ratio used for?
Lenders use your DTI ratio to evaluate your current debt load and to see how much you can responsibly afford to borrow. Less debt equals more borrowing power.

Should I use my current or future housing costs in the calculation?
If you are in the process of buying a home, you should enter your estimated housing costs. This includes your new mortgage, property taxes and fees. Mortgage lenders use DTI ratios to make sure that you'll not be over-extended with your new loan.

If you are not buying a home, you should use your current housing costs for the calculation.

Should I enter my credit card minimum payments or the amount I really pay each month?
Enter only the minimum credit card payments you are required to pay each month.

What goes under "other debts?"
Include home equity loans, judgments and any other monthly debts you pay.