Debt-to-Income Calculator
Calculate your debt-to-income ratio (DTI) and discover your borrowing capacity.
Income
Monthly debts
Your DTI ratio
40%
Fair
DTI scale
0%20%35%43%50%
Total monthly debts
€ 0
Remaining income
€ 0
Housing ratio
0,0 %
Available for new debt
€ 0
Debt breakdown
€1400Monthly
Mortgage/Rent(57.1%)
Car payment(21.4%)
Student loans(10.7%)
Credit cards(7.1%)
Other debts(3.6%)
Recommendations
Your DTI is at the limit. Some lenders may require additional conditions.
What do lenders look for?
Most lenders prefer DTI below 36%. For mortgages, housing ratio shouldn't exceed 28%.
What is DTI ratio?
The debt-to-income ratio compares your monthly debt payments to your gross income. It's a key metric lenders use to evaluate your ability to pay.
Why does DTI matter?
A low DTI indicates you manage debt well. Lenders use it to determine if you can responsibly take on more debt.
How to improve your DTI
Reduce existing debt, increase income, avoid new debt, and refinance to lower rates if possible.