Debt-to-Income Calculator

Calculate your DTI ratio to assess your ability to manage monthly payments. Important metric for loan approval and financial health.

Calculate Your Debt-to-Income Ratio

$

Your total monthly income before taxes

$

Include mortgage, auto loans, credit cards, student loans, etc.

Understanding Debt-to-Income Ratio

Your debt-to-income (DTI) ratio is a key financial metric that lenders use to evaluate your ability to manage monthly payments and repay debts. It's calculated by dividing your total monthly debt payments by your monthly gross income.

DTI Ranges

  • 0-20%: Excellent - Very manageable debt load, best loan terms available
  • 21-35%: Good - Healthy debt level, most lenders consider acceptable
  • 36-43%: Fair - Approaching limit, may have difficulty getting new loans
  • 44-50%: Poor - High debt burden, difficult to get approved
  • 50%+: Critical - Very high debt level, urgent need to reduce debt

What Counts as Debt?

Include all monthly debt payments: mortgage or rent, auto loans, student loans, credit card minimum payments, personal loans, and other recurring debt obligations.

Do NOT include: Utilities, insurance premiums, groceries, entertainment, or other non-debt expenses.

Get Personalized Financial Advice with hilm.ai

Connect with hilm.ai to get personalized insights on improving your debt-to-income ratio. Our AI understands your financial situation and can provide tailored recommendations.

Start Your Free Trial