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The Cash Navigator

Debt-to-Income Ratio Calculator

Find out what percentage of your gross monthly income goes toward debt payments — and whether lenders will approve you.

Gross Monthly Income

$

Monthly Debt Payments

Enter minimum monthly payments — not balances.

$
$
$
$
$
$
Total Monthly Debt$1,900

Your DTI Ratio

31.7%

Excellent

Lenders view this as very healthy. You have good financial flexibility.

Gross Monthly Income$6,000
Total Monthly Debt$1,900
DTI Ratio31.7%

DTI Scale

0%36%43%50%100%
Excellent (≤36%)Good (≤43%)Fair (≤50%)High Risk (≤100%)

Frequently Asked Questions

What is a good DTI ratio?

Most lenders prefer a DTI below 36%. For conventional mortgages, the maximum is typically 43–45%. FHA loans may allow up to 50% with compensating factors. Below 36% gives you the best rates and approval odds.

What is the difference between front-end and back-end DTI?

Front-end DTI only includes housing costs (mortgage/rent) divided by gross income — lenders like this below 28%. Back-end DTI includes all monthly debt payments — this is what most lenders focus on and what this calculator computes.

Does DTI affect my credit score?

DTI itself does not directly affect your credit score, but the debt levels that create a high DTI (high balances, many accounts) can lower your score through credit utilization and payment history.

How can I lower my DTI?

Pay down existing debt (especially high-balance accounts), avoid taking on new debt before applying for a loan, and increase your income. Even a small raise or side income can meaningfully lower your DTI ratio.