Debt-to-Income Ratio Calculator 2026 P1

Updated for 2026 Lending Standards

Debt-to-Income Ratio
Calculator 2026

Mortgage lenders use your debt-to-income ratio to decide if you qualify for a home loan. Calculate your DTI in 30 seconds and see exactly where you stand.

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Your Result
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Lower DTI
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Loan Types
Calculate Your Debt-to-Income Ratio
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Monthly Debt Payments
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Your Debt-to-Income Ratio
Step 2 of 4 — Your Personal Report is Ready
See exactly what lenders think of your DTI
Your result includes a lender-by-lender breakdown showing which mortgage programs you qualify for right now.
  • Which lenders approve your DTI ratio today
  • FHA, VA and conventional loan eligibility
  • 4 specific steps to strengthen your application
See My Full Mortgage Eligibility Report → Free — takes 10 seconds

What Is a Debt-to-Income Ratio?

Your debt-to-income ratio (DTI) is the percentage of your gross monthly income that goes toward paying debts. It is one of the most important numbers mortgage lenders look at when deciding whether to approve your home loan application.

To calculate your debt-to-income ratio, divide your total monthly debt payments by your gross monthly income, then multiply by 100. Our free debt-to-income ratio calculator does this automatically in seconds.

DTI Ratio Ranges — What Lenders See in 2026

DTI RangeLender VerdictMortgage Eligibility
Below 36%ExcellentQualifies for most conventional loans
36% – 43%GoodQualifies for FHA and many conventional loans
44% – 49%BorderlineMay qualify with compensating factors
50% or aboveHigh RiskMost lenders will deny the application

How to Calculate Your Debt-to-Income Ratio

The formula is: total monthly debts ÷ gross monthly income × 100. If you earn $5,000/month and pay $1,800 in debts, your DTI is 36%. Use the calculator above and then compare your result against 2026 loan requirements.