What is debt-to-income ratio?
Your debt-to-income ratio (DTI) is the share of your gross monthly income that goes toward debt payments. Lenders rely on it heavily when deciding whether to approve a mortgage, car loan, or other credit — a lower DTI signals you have room in your budget to take on a new payment.
What's a healthy DTI?
As a rough guide, 36% or below is considered strong, 36-43% is often still acceptable for a mortgage, and above 43% can make approval harder and limit your options. Lowering your DTI means either paying down debt or increasing your income.
Frequently asked questions
Should I use gross or net income?
Use gross (pre-tax) monthly income — that's what lenders use for DTI.
Which debts count?
Recurring debt payments like housing, car loans, credit card minimums, and other loans. Utilities and groceries are not included.
Is my data saved?
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