Debt-to-Income Calculator 2025
Calculate your debt-to-income ratio instantly and understand your mortgage qualification status. Get personalized advice to improve your DTI for better loan approval odds.
Calculate DTI → Your DTI Ratio
Include salary, bonuses, and other income before taxes
Monthly Debt Payments
Add Other Debt
Your DTI Ratio
Excellent DTI Ratio!
Your debt-to-income ratio is excellent. You should qualify for the best mortgage rates and terms.
🚀 Ready to Get Pre-Approved?
Your DTI looks great! Get pre-approved today and start house hunting with confidence.
Check Your Mortgage Options →DTI Ratio Guidelines for 2025
Best rates and terms available
Most lenders will approve
May qualify with conditions
Unlikely to qualify
How to Improve Your DTI Ratio
Reduce Monthly Debt
- Pay off credit card balances
- Consolidate high-interest debt
- Avoid taking on new debt
- Make extra payments on loans
Increase Monthly Income
- Ask for a raise or promotion
- Take on a side hustle
- Include all qualifying income
- Consider rental income
Ready to Take the Next Step?
Get personalized mortgage advice and see what loan programs you qualify for based on your DTI ratio.
Frequently Asked Questions
What is a good debt-to-income ratio?
A DTI ratio of 36% or lower is generally considered good. Most lenders prefer to see a DTI ratio of 28% or lower for the best mortgage terms and rates.
What debts are included in DTI calculation?
Include all monthly debt payments: credit cards, auto loans, student loans, personal loans, alimony, child support, and any other recurring debt obligations.
Does rent count towards DTI?
Current rent payments are typically not included in DTI calculations for mortgage approval, but your future mortgage payment will be included in the lender's analysis.
Can I get a mortgage with high DTI?
Some loan programs allow higher DTI ratios (up to 50% for FHA loans), but you'll typically need excellent credit and significant cash reserves to compensate.