DTI Calculator — Debt-to-Income Ratio
Enter your monthly debt payments and gross income to see your DTI ratio and whether it meets conventional mortgage and lender guidelines.
Total monthly debt payments as a share of gross monthly income
- 1
Total monthly debt
1,500 + 300 + 200 + 100 + 0 = 2,100 - 2
Debt-to-Income ratio
2,100 ÷ 6,000 × 100 = 35
此計算機如何運作？
DTI = total monthly debt payments ÷ gross monthly income × 100. Below 36% is good; above 43% makes it harder to qualify for a conventional mortgage. Enter each monthly debt obligation and your pre-tax income to see your ratio and where it sits relative to lender thresholds.
公式
How this is calculated
The debt-to-income ratio (DTI) is the single most important figure lenders use to gauge whether a borrower can afford additional debt. It compares the total of all required monthly debt payments — mortgage or rent, car loans, student loans, minimum credit card payments, personal loans and any other recurring obligations — to the borrower's gross (pre-tax) monthly income.
Divide total monthly debt by gross monthly income and multiply by 100 to express the result as a percentage. A DTI of 30%, for example, means 30 cents of every pre-tax dollar goes to servicing existing debt. Lenders look at two variants: the "front-end" ratio (housing costs only divided by income) and the "back-end" ratio (all debt divided by income). This calculator computes the back-end (total) DTI, which is the more commonly cited figure.
For conventional mortgages, lenders in the US typically approve borrowers with a back-end DTI below 43%, with the ideal threshold below 36%. The FHA allows up to 57% in some cases with compensating factors, while VA and USDA loans use 41% as a soft cap. These figures are guidelines, not hard rules — credit score, assets, and loan type all influence the final decision. Improving DTI requires either reducing monthly debt obligations (paying down balances, refinancing) or increasing gross income.
常見問題
Most conventional lenders prefer a back-end DTI below 36% and will typically approve up to 43–45%. FHA loans may allow up to 57% with strong compensating factors (high credit score, large reserves). A DTI below 20% is considered excellent and opens access to the best rates.
DTI always uses gross monthly income — your total earnings before taxes and any deductions. Never use take-home pay, as that would produce a higher (worse-looking) ratio that does not match how lenders calculate it.
Include all recurring monthly debt payments: mortgage or rent, car loans, student loans, minimum credit card payments, personal loans, child support, alimony, and any other court-ordered or installment obligations. Do not include utilities, groceries, subscriptions, or insurance premiums.
也稱為
TG we-Calculate Editorial Team. (2026). DTI Calculator — Debt-to-Income Ratio [Online calculator]. TG we-Calculate. https://we-calculate.com/zh-tw/calculator/dti-calculator
TG we-Calculate Editorial Team. "DTI Calculator — Debt-to-Income Ratio." TG we-Calculate. 2026. https://we-calculate.com/zh-tw/calculator/dti-calculator.
TG we-Calculate Editorial Team, "DTI Calculator — Debt-to-Income Ratio," TG we-Calculate, 2026. [Online]. Available: https://we-calculate.com/zh-tw/calculator/dti-calculator
@misc{wecalculate_dti_calculator, title = {DTI Calculator — Debt-to-Income Ratio}, author = {{TG we-Calculate Editorial Team}}, howpublished = {\url{https://we-calculate.com/zh-tw/calculator/dti-calculator}}, year = {2026}, note = {TG we-Calculate} }
這個計算機對您有幫助嗎？