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Debt-to-Income (DTI) Ratio — result sheet
Share of gross monthly income spent on debt payments, with a plain-English risk verdict.
Inputs used
Results
Visual chart
Breakdown
Calculation steps
Returned data table
Formula and methodology
Formula: DTI = debtPayments / grossMonthly x 100; band: <=20 Excellent, <=36 Good, <=43 Acceptable with caution, else High risk.
DTI divides recurring minimum debt payments by gross monthly income. Lenders treat 36% and below as comfortable and 43% as the typical upper bound for qualified mortgages.
This result follows the calculator's declared inputs, precision, validation boundaries, and model limits.
Input contract
- Gross monthly income — Pre-tax monthly income; must be greater than zero.; minimum 0; maximum 1000000000000
- Monthly debt payments — Recurring minimums: rent or mortgage, loans, credit cards.; minimum 0; maximum 1000000000000
Worked example
| Input | Value |
|---|---|
| Gross monthly income | 6000 |
| Monthly debt payments | 1500 |
DTI 25.00%; verdict: Good.
Assumptions and limits
- Inputs use gross (pre-tax) monthly income and recurring minimum debt payments in one currency.
- Bands follow common US lender rules of thumb, not any single lender's underwriting decision.
Calculator note
Source and methodology
Use the official WorldCalculate methodology policy for the source, formula, precision, and boundary standards behind this calculator.
Planning estimate, not financial, medical, legal, or professional advice. © WorldCalculate — reuse with attribution. Built and curated by Hassan ALRowaie.
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