Finance
Debt-to-Income Calculator
Calculate your debt-to-income (DTI) ratio — a key number lenders check for mortgage approval.
📅 Last updated: July 2, 2026
· Reviewed by the MyCalcKit Editorial Team
How this calculator works
DTI = total monthly debt payments ÷ gross monthly income. Most conventional US mortgage lenders want to see DTI at or below 36%, with some allowing up to 43-50% for well-qualified borrowers.
Guidelines vary by lender and loan type (conventional, FHA, VA). This is a general reference, not a pre-approval.