Debt-to-Income Ratio Calculator (DTI) — Are You Loan-Ready?
Calculate your DTI ratio instantly and see if you qualify for a mortgage, car loan, or personal loan.
Your debt-to-income ratio is 40.00%. Lenders typically prefer below 43.00% for mortgage approval.
Compare this against benchmarks to see where you stand.
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Coach Insight
Your DTI ratio determines whether a lender will approve your loan application. Most mortgage lenders require a back-end DTI below 43%. Knowing your DTI before applying tells you exactly where you stand — and how to improve it.
Frequently Asked Questions
Everything you need to know.
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Why This Matters
Your DTI ratio determines whether a lender will approve your loan application. Most mortgage lenders require a back-end DTI below 43%. Knowing your DTI before applying tells you exactly where you stand — and how to improve it.
How to Use It
- 1Enter your gross monthly income
- 2List all monthly debt payments (mortgage/rent, car, student loans, credit cards)
- 3See your front-end and back-end DTI ratios
- 4See your qualification status for mortgages and other loans
Find the best account for this goal
Money Map matches your numbers to the strongest available accounts in 90 seconds.
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