Debt-to-Income Ratio Calculator

Updated · 1 min read
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Written by Barbara Marquand
Senior Writer
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Reviewed by Michelle Blackford
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Assistant assigning editor at large
Fact Checked

Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners.

Your debt-to-income ratio, or DTI, plays a big role in how much you can borrow and whether you qualify for a mortgage.

DTI is the percentage of your pretax, or gross income, that goes toward paying debt each month, including a projected mortgage payment if you're applying for a home loan.

Calculate your debt-to-income ratio

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Mortgage loans from our partners

New American Funding - PURCHASE logo
Check Rate

on New American Funding

New American Funding

4.5

NerdWallet rating 
New American Funding - PURCHASE logo

4.5

NerdWallet rating 
Min. credit score 
500

Min. down payment 
3.5%

Check Rate

on New American Funding

Rocket Mortgage - PURCHASE logo
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on Rocket Mortgage

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5.0

NerdWallet rating 
Rocket Mortgage - PURCHASE logo

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Min. credit score 
580

Min. down payment 
3.5%

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on Rocket Mortgage

Veterans United - PURCHASE logo
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on Veterans United

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4.5

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Veterans United - PURCHASE logo

4.5

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Min. credit score 
620

Min. down payment 
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on Veterans United