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Editorial Policy & Integrity PactThe Debt-to-Income (DTI) ratio is a personal finance measure that compares an individual's gross monthly income to their total monthly debt payments. It is one of the most critical metrics used by underwriting algorithms.
A DTI ratio below 36% indicates strong financial health and drastically increases the probability of instant loan approval. High DTIs signal over-leverage to participating lenders.
Divide your total recurring monthly debt (rent, mortgage, credit cards, auto loans) by your gross monthly income (income before taxes), then multiply by 100 to get the percentage.
See how factors like Debt-to-Income (DTI) Ratio affect your ability to secure instant liquidity. Run a free algorithmic simulation with zero impact on your credit score.