Debt-to-Income Calculator
Your DTI ratio tells lenders - and you - how much of your income goes to debt payments. Know your number before you negotiate.
Your Debt-to-Income Ratio
Your DTI
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Total Monthly Debt
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Risk Level
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DTI Ranges and What They Mean
| DTI Range | Risk Level | What It Means |
|---|---|---|
| Under 20% | Low | Manageable. Standard negotiation strategies work well. |
| 20-36% | Moderate | Manageable but tight. Consider a DMP or consolidation. |
| 36-50% | High | Difficult. Settlement or DMP may be the best path forward. |
| Over 50% | Severe | Unsustainable. Consult a bankruptcy attorney and a credit counselor. |
Mortgage qualification typically requires a DTI under 43%. The VA loan limit is 41%. A DTI over 36% triggers scrutiny from most lenders.