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Your DTI Ratio
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Calculate your Debt-to-Income ratio to see if you qualify for a loan.
Your DTI ratio is one of the most important metrics lenders use to evaluate your loan application. It compares how much you owe each month to how much you earn. A lower DTI indicates a good balance between debt and income. Most lenders look for a DTI of 36% or less, though some government-backed loans allow higher ratios.
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A DTI of 36% or less is generally considered excellent. 36% to 43% is fair. Above 43% is considered high risk.
Include mortgage or rent, auto loans, student loans, minimum credit card payments, and personal loans.
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