About DTI Calculator

DTI Calculator is a free online tool designed to help you understand your debt-to-income ratio — one of the most important numbers in personal finance.

Our Mission

We believe everyone should have easy access to the financial tools and education they need to make informed borrowing decisions. Your DTI ratio is a critical factor in mortgage approvals, car loans, personal loans, and credit card applications, yet many people don't know their number or what it means.

How It Works

Our calculator is simple: enter your monthly debt payments and gross monthly income, and we instantly calculate your DTI ratio with a color-coded result showing where you stand. We also provide comprehensive guides on DTI requirements for different loan types, strategies to lower your ratio, and educational content to help you improve your financial health.

Important Disclaimer

DTI Calculator provides general financial information for educational purposes only. We are not financial advisors, and our tools and content should not be considered financial advice. Always consult with a qualified financial professional or lender for advice specific to your situation. Loan qualification depends on many factors beyond DTI, including credit score, employment history, assets, and lender-specific requirements.

Accuracy

We strive to keep all information accurate and up-to-date. Loan program requirements, DTI thresholds, and lending guidelines change periodically. If you notice any inaccuracies, please let us know so we can update our content.

Contact

For questions or feedback, reach out to us at contact@debtratiocalc.com.