Debt-to-Income Ratio: $1,800 Debt, $4,500 Gross Income
Monthly debt payments of $1,800 against $4,500 gross income equals a DTI of 40%, near most lenders' maximum.
How to use this tool
- Enter total monthly debt payments and gross monthly income in the fields above.
- Results update instantly as you type — or click Calculate.
- Read your debt-to-income ratio and the full breakdown beneath it.
Know your DTI before applying for a mortgage — lenders typically require it to be below 43%.
Frequently asked questions
- What is a good debt-to-income ratio?
- A DTI below 36% is considered good by most lenders. For a qualified mortgage, your DTI must generally be 43% or below. Below 20% is excellent.
- What debts are included in DTI?
- Include all recurring monthly debt obligations: mortgage/rent, car loans, student loans, credit card minimum payments, personal loans, and any other monthly debt commitments. Do not include utilities, groceries, or discretionary spending.