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Debt-to-Income Ratio Calculator

Find your debt-to-income ratio, a key number lenders use to assess borrowing capacity.

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Debt-to-Income Ratio

25.0%

Spark says

How it's calculated

Formula

DTI%=Monthly DebtGross Monthly Income×100DTI\% = \dfrac{Monthly\ Debt}{Gross\ Monthly\ Income} \times 100
Monthly\ Debt
— All monthly debt payments combined
Gross\ Monthly\ Income
— Income before taxes and deductions

What is the Debt-to-Income Ratio Calculator?

Debt-to-income ratio (DTI) compares your total monthly debt payments to your gross monthly income — lenders use it to judge how much more debt you can safely take on.

How to use it

  1. 1 Add up all your monthly debt payments (loans, cards, etc.).
  2. 2 Enter your gross monthly income (before tax).

Worked examples

$1,500 debt, $6,000 income

DTI is 25% — considered healthy.

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Frequently asked questions

What DTI do lenders look for?

Many lenders prefer a DTI at or below 36%, with 43% often cited as an upper limit for mortgage approval — but standards vary by lender and loan type.