Using the Kapitalwise DTI Calculator
Enter your recurring monthly debt and your gross monthly income. The calculator shows your DTI ratio as a percentage.
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Debt-to-Income Ratio Calculator.
A debt-to-income ratio, or DTI, calculator shows what percentage of your gross monthly income goes toward debt payments.
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Updated
August 31, 2026
Your Monthly Figures
Enter your numbers
$
Recurring monthly debt is the total of your monthly payments toward credit cards, student loans, car loans, personal loans, and mortgage or rent-equivalent housing costs.
$
Gross monthly income is your income before taxes and other deductions, from all sources.
Live Result
Your DTI Ratio
Your DTI Ratio
33.3%
Good Standing
A DTI of 36% or lower is generally considered healthy by lenders.
Monthly Debt
$2,000
Monthly Income
$6,000
Remaining Income
$4,000
After debt payments
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These results are estimates, not predictions. They're calculated from the figures you entered and assume your rate of return and inflation rate hold steady every year, which real markets don't do. Change any input and the result changes. Use this to compare scenarios, not to plan around a specific number.
How DTI Is Calculated
DTI is calculated by dividing total monthly debt payments by gross monthly income, then multiplying by 100.
What Is a Good DTI Ratio?
A DTI of 36% or lower is generally considered good. A DTI between 36% and 49% leaves room for improvement. A DTI of 50% or higher is considered a red flag by most lenders.
DTI and Mortgages
Mortgage lenders use two versions of this ratio. The front-end ratio measures housing costs alone against income, with 28% or less considered ideal. The back-end ratio measures all debt, including housing, against income, with 36% or less considered ideal. Most qualified mortgages cap DTI at 43%.
What Debt-to-Income Ratio Measures
Debt-to-income ratio measures how much of your income is already committed to debt payments. Lenders use it to assess your ability to take on and repay new debt, alongside your credit history and credit score.
DTI does not account for other monthly expenses, such as utilities, food, transportation, or insurance. A low DTI does not necessarily mean a loan payment is affordable once those costs are factored in.
You can lower your DTI in two ways: increasing your income or reducing your debt. On the debt side, this includes paying down balances, refinancing to a lower interest rate, or consolidating high-interest debt into a single, lower-rate payment.
The Next Step
Next Steps
A fiduciary financial advisor can help you build a plan to lower your DTI and put you in a stronger position for the loans you need. Matching with an advisor is free and comes with no pressure to commit.
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