Current DTI checker

Estimate your current debt-to-income ratio (DTI).

List your gross monthly income and your monthly debt payments (car, credit cards, loans, student loans, etc.). This tool gives a simple DTI estimate that you can discuss with a licensed professional.

1. Your income

Base gross income per month ($)

Other monthly income ($) Example: pensions, Social Security, second job.

Number of borrowers All borrowers whose income & debts you’re including.

2. Your monthly debt payments

Include payments that typically show on a credit report or matter for DTI: car loans/leases, credit cards (minimums), student loans, personal loans, other mortgages. Current rent can be listed but will be treated separately.

Current housing payment ($, optional) This may be rent or an existing mortgage. It’s shown separately in the results.

Results

Enter your income and debts on the left, then click “Calculate DTI”.

Want ideas to improve your DTI?

Sometimes small changes can make a difference. Share your info below if you’d like to talk through options such as paying down balances, consolidating, or adjusting goals.

First name

Last name

Phone

State

This is an estimate only. Lenders may calculate DTI differently depending on the program, documentation and guidelines. This is not an approval or denial of credit.