Enter your monthly income and existing debt payments, and our calculator will determine your DTI percentage—helping you understand how lenders view your financial situation.
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What is your debt-to-income ratio and why does it matter?
Your debt-to-income ratio (DTI) is one of the most important factors lenders consider when determining your eligibility for a mortgage or home loan. A lower DTI means you have more income available to cover new debt, making you a more attractive borrower. Use our Debt-to-Income Ratio Calculator to instantly check your DTI and see whether you meet the requirements for a home loan, refinance, or mortgage pre-approval.
If your DTI is too high, don’t worry—there are ways to improve it and qualify for better loan options. Once you’ve calculated your ratio, compare mortgage rates from top lenders to find the best loan for your budget.