Enhanced Debt-to-Income (DTI) Ratio Calculator
Calculate your financial health with custom income and debt items
Your Financial Details
USD
Additional Income Sources
Monthly Debt Payments
USD
USD
USD
USD
USD
Additional Debt Items
Your Debt-to-Income Ratio
32%
Good – Lenders view this favorably
0%
20%
40%
60%
80%
100%
Excellent
0-20%
Good
21-35%
Fair
36-43%
Poor
44%+
Breakdown
Total Monthly Income
$6,000
Total Monthly Debt
$2,450
DTI Ratio
32%
Tips to Improve Your DTI Ratio
- Pay down existing debt: Focus on high-interest debts first
- Avoid taking on new debt: Limit new credit applications
- Increase your income: Consider side gigs or career advancement
- Refinance high-interest loans: Lower interest rates can reduce monthly payments
- Create a budget: Track spending to find areas to reduce expenses