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Debt-to-Income (DTI) Ratio Calculator

Free debt-to-income (DTI) ratio calculator. Calculate your DTI percentage for mortgage approval and see if you qualify for a home loan.

📊 Debt-to-Income (DTI) Ratio Calculator

Calculate your DTI ratio for mortgage qualification

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DTI < 43%: Qualifies for most mortgages | DTI < 36%: Excellent financial health

💰Monthly Income

$

Gross monthly income before taxes

💳Monthly Debt Payments

$
$
$
$
$

💡DTI Ratio Tips

✓Under 36%: Excellent - you're in great financial shape
✓36-43%: Good - most lenders will approve your mortgage
✓43-50%: Challenging - consider paying down debt first
✓Over 50%: High risk - focus on debt reduction before home buying
✨

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