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Glossary · Loans

Debt-to-Income Ratio (DTI)

Definition

DTI compares your total monthly debt payments to your gross monthly income, used by lenders to assess borrowing risk.

Formula
DTI = Monthly Debt Payments / Gross Monthly Income × 100
Debt-to-income ratio calculator
24.0%
DTI Ratio
Good
Status
43%
Max for mortgage

What is Debt-to-Income Ratio (DTI)?

DTI compares your total monthly debt payments to your gross monthly income, used by lenders to assess borrowing risk.

How Debt-to-Income Ratio (DTI) works

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Why Debt-to-Income Ratio (DTI) matters

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Frequently asked questions