Calculators · Debt-to-income

Debt-to-income (DTI) calculator.

DTI is the first number a personal loan underwriter looks at. See yours, and what range lenders consider safe.

Income & debts

Monthly debt payments

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$
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Your DTI

DTI ratio
42.3%
Borderline. Approvals still possible, but rates will be tighter.
Total monthly debt$2,750
Gross monthly income$6,500
• Under 20% — Excellent (best rates)
• 20–35% — Good
• 36–43% — Borderline
• Over 43% — Most lenders decline

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Frequently asked

  • What is debt-to-income ratio?

    DTI is your total monthly debt payments divided by your gross (pre-tax) monthly income, expressed as a percentage. Lenders use it to gauge whether you can comfortably take on a new loan payment alongside existing obligations.

  • What's a good DTI for a personal loan?

    Most personal loan lenders prefer DTI under 36%. Under 20% is excellent and unlocks the best rates. 36–43% is acceptable but rates tighten. Above 43% materially limits approvals — and is also the standard cap for qualified mortgages.

  • What counts as 'debt' in DTI?

    Include all recurring monthly debt payments: mortgage or rent, auto loans, student loans, credit card minimums, child support, alimony, and any other personal-loan payments. Do not include utilities, groceries, subscriptions, or insurance.

  • What income counts?

    Use your gross monthly income — pre-tax salary, self-employment income, retirement income, disability, Social Security, and other verifiable recurring income. Don't include one-time bonuses or irregular side income unless documented.

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