Before approving a mortgage, auto loan, or major line of credit, lenders look closely at your debt-to-income ratio — the percentage of your gross monthly income that already goes toward existing debt payments. This calculator gives you that number instantly, the same way a lender would calculate it during underwriting.
USA Debt-to-Income Ratio Calculator
Calculate your front-end and back-end DTI ratios as lenders do during underwriting.
Income vs Debt Allocations
Underwriting Benchmark Comparison
| Benchmark / Threshold | Target Ratio | Your Current Status | Lender Risk Level |
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A lower DTI generally means better loan terms and a smoother approval process, which is why it’s worth checking this number before applying for anything major. For the full explanation of what lenders consider a “good” DTI and how to improve yours, read our guide on debt-to-income ratio explained, and if a mortgage is what you’re working toward, follow up with our mortgage affordability calculator.
Enter your monthly debt payments and gross income above to see your DTI ratio and where you stand before your next loan application.