Debt-to-income ratio calculator
Your debt-to-income (DTI) ratio is your monthly debt payments divided by gross monthly income. Lenders use it to gauge how much more you can borrow.
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Frequently asked questions
What is a good debt-to-income ratio?
Many lenders prefer a DTI at or below 36%, though some programs allow more. Lower is better for approval and rates.
Estimates are for illustration only and assume monthly compounding; actual terms vary by credit union. Not financial advice.