Your debt-to-income (DTI) ratio is one of the most important numbers lenders look at. Calculate yours in seconds and learn what it means for your financial options.
Your Debt-to-Income Ratio
36.7%
ManageableYou may qualify for some loans, but lenders may scrutinize your application more closely.
Monthly Debt Payments
$2,200
Gross Monthly Income
$6,000
High DTI? Explore options to reduce your monthly debt load.
Explore Options →Healthy
Below 36%
Lenders view you favorably. Most loan products available.
Manageable
36%–49%
Some lenders may approve you. Improving DTI opens better options.
High
50%+
Most lenders will decline. Debt relief may help reduce monthly obligations.
Most lenders consider a DTI below 36% healthy. A ratio of 37–49% may limit your loan options. 50% or above signals significant financial stress and may make it difficult to qualify for new credit.
Mortgage lenders typically require a DTI of 43% or lower. Personal loan lenders vary, but most prefer under 40%. A lower DTI signals that you have enough income to handle new debt responsibly.
Your DTI ratio itself is not directly factored into your credit score. However, high debt balances relative to your credit limit (credit utilization) do affect your score, and high DTI often correlates with financial stress.
You can improve DTI by increasing income (raises, side income), paying down existing debt balances, or avoiding new debt. Debt settlement or a consolidation loan can reduce your monthly required payments and improve your DTI.