Personal loan tools
Debt-to-income ratio calculator
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Full disclosure below.
Your debt-to-income ratio is your monthly debt payments divided by your gross monthly income. Lenders use it to judge whether you can take on a new payment.
Questions
What counts as debt?
Loan, card minimums, rent or mortgage, and other recurring debt payments.
How do I lower my DTI?
Pay down balances or increase documented income.
How we make money
Lending Gurus compares options and doesn’t lend. We may earn a referral fee when you apply through our links, but no lender pays for a review or a score, and partner status never changes one. Advertiser disclosure.