How to use the Debt-to-Income Ratio Calculator
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Formula
Frequently asked questions
What is a good DTI?
36% or lower is generally considered healthy. Many mortgages allow up to about 43%, and some programs go higher.
What counts as debt?
Rent or mortgage (with tax and insurance), car, student and personal loans, and credit card minimum payments. Utilities and groceries don't count.
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CalcKite. (2026). Debt-to-Income Ratio Calculator [Online calculator]. https://www.calckite.com/debt-to-income-calculator/
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Results are estimates for information only and are not financial, tax or legal advice. Tax rules, interest rates and fees change, so confirm important numbers with your bank, employer or a qualified adviser. Read our disclaimer.