Debt-to-Income

Divide your monthly debt payments by your monthly income to get the debt-to-income ratio lenders use when approving a mortgage. It flags whether your ratio looks good, cautionary or high.

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Worked example

DTI: 30% · Flag: Good

How it’s solved

Worked on the example above, step by step — follow along and you can do it on paper next time, no tool required.

DTI is your monthly debt payments as a percent of your monthly income — lenders use it to gauge risk.
Debt ÷ income × 100
$1,500.00 ÷ $5,000.00 × 100 = 30%
Compare to lender thresholds
30% → Good (under 36%)

Learn the method

Inputs

Monthly debt $
1500
Monthly income $
5000

Frequently asked

What DTI do lenders want?

Under 36% is generally comfortable; many mortgages cap total DTI around 43%, above which approval gets harder.

Which debts count?

Recurring obligations — mortgage or rent, car loans, student loans, minimum credit-card payments — divided by gross monthly income.