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How this calculator works
DTI = total monthly debt payments ÷ gross monthly income × 100. Many lenders prefer a DTI around 36% or lower, though limits vary by lender, loan type and country.
Frequently asked questions
What counts as debt payments?
Minimum payments on credit cards, loan EMIs, car payments, student loans, and usually rent or mortgage payments. Everyday expenses like groceries are not included.
How can I lower my DTI?
Pay down balances (especially those with high minimum payments), avoid new debt, or increase your income.
Results are estimates based on the numbers you enter and simplified assumptions. They are not financial advice. See our disclaimer.