First 100 join freeJoin →

Skip to content

Debt-to-income ratio calculator

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.

Reviewed by Alex Thomas · Updated Nov 5, 2026

Your debt-to-income ratio is 34%: $1,870 of debt payments on $5,500 of monthly income.

Monthly debt payments

Debt-to-income ratio

34%

36% or less

This is the range lenders tend to see as comfortable.

Monthly debt payments$1,870
Room before 36%$110

Different loans and lenders set different DTI limits. These bands are rules of thumb, not a lender's decision.

Ask members who've been there

Questions

How do I calculate my debt-to-income ratio?
Add up your monthly debt payments, including rent or mortgage, car, student loans and card minimums, and divide by your gross monthly income, before taxes.
What is a good debt-to-income ratio?
Lower is better. Under about 36% is often seen as comfortable, and many mortgage programs top out between 43% and 50%. Each lender sets its own limit.
Can I get a mortgage with an ITIN and a high DTI?
Some ITIN mortgage lenders accept a DTI up to 50%, usually with a larger down payment and reserves. Our ITIN lenders guide compares their terms.

Related guides and answers

Credit

ITIN lenders: how to get a loan or mortgage with an ITIN

Which lenders take an ITIN instead of an SSN for personal loans and home loans, what they ask for, typical down payments, and the offers to avoid.

Updated 6 min read

Read guide →
Credit

How to check your credit score with an ITIN

Equifax is the only bureau that takes an ITIN online. How to see your free Equifax score, get all three bureau reports in one place, and request the rest by mail.

Updated 5 min read

Read guide →

Other tools

Cards

Credit card payoff calculator

Enter your balance, APR and monthly payment to see how many months it takes to pay off your credit card, the total interest, and what it takes to finish in 12, 24 or 36 months.

36 months at $200/mo

Try it →
Cards

Credit card interest calculator

See how much interest your credit card charges per day and per billing cycle from your balance and APR, using the daily periodic rate many issuers use.

$37.79 interest in 30 days

Try it →
Cards

Minimum payment calculator

See how many years paying only the credit card minimum takes and how much interest it costs, compared with keeping your first payment fixed.

15.3 years on minimums

Try it →
Credit

Debt snowball vs avalanche calculator

List your debts and your monthly budget to compare the snowball method (smallest balance first) with the avalanche method (highest interest first).

Debt-free in 23 months

Try it →

Sources

  1. CFPB — What is a debt-to-income ratio?consumerfinance.gov

Join ITIN Club — it's free

Ask members who've already done it, follow the first-year course step by step, and message other members directly. No SSN needed.

Founding 100