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💸 Free Personal Finance Tool

Free Debt-to-Income
Ratio Calculator

Know your DTI ratio in seconds. DebtToIncomeCS is a completely free portal — track every debt, calculate your ratio, plan your payoff, and check loan eligibility. No credit card. No subscription.

Get Your Free DTI Portal → Learn More
What is a DTI ratio?

Your DTI ratio is the single most
important number lenders check.

Debt-to-income ratio (DTI) is the percentage of your gross monthly income that goes toward debt payments. Lenders use it to determine whether you can afford a new loan. Most conventional lenders require a DTI under 43%. FHA loans allow up to 50% in some cases.

≤36%
Excellent
Best loan terms
37–43%
Good
Most lenders approve
44–50%
Fair
FHA may approve
>50%
High Risk
Most lenders decline
10 Free Tools in One Portal

More than a calculator.
A complete financial picture.

📊
DTI Dashboard
Live debt-to-income ratio gauge with color-coded rating. See your financial picture at a glance — Excellent, Good, Fair, or High.
🧮
Debt Calculator
Add every debt — credit cards, mortgages, auto loans, student loans, medical bills. Calculates total balance and monthly obligations instantly.
💰
Income Tracker
Log all income sources — salary, freelance, rental, hourly. Multiple sources supported for a complete income picture.
🎯
Debt Payoff Planner
Avalanche or Snowball method. Visual priority order shows exactly which debt to attack next to pay off fastest.
🏦
Loan Eligibility Checker
Enter any loan amount, rate, and term. Instantly see if your DTI would qualify — most lenders require under 43%. FHA rules included.
⭐
Credit Score Tracker
Log your credit score from any bureau. Visual gauge from 300–850 with rating labels. Track your score history over time.
Common Questions

DTI Calculator
FAQ

How do I calculate my debt-to-income ratio?
Divide your total monthly debt payments by your gross monthly income, then multiply by 100. For example: $1,500 in monthly debt payments ÷ $5,000 gross monthly income = 30% DTI. DebtToIncomeCS calculates this automatically as you add your debts and income.
What DTI ratio do I need to qualify for a mortgage?
Most conventional lenders require a DTI of 43% or lower. FHA loans may allow up to 50% with compensating factors. VA loans are more flexible. The lower your DTI, the better your loan terms will be.
Is DebtToIncomeCS really free?
Yes — completely free, forever. No credit card required, no trial period, no subscription. All 10 tools are included at no cost.
What's the difference between front-end and back-end DTI?
Front-end DTI only counts housing costs (mortgage, taxes, insurance). Back-end DTI includes all monthly debt payments. Lenders typically look at both — most want front-end under 28% and back-end under 43%.
How can I lower my DTI ratio?
Two ways: increase your income, or reduce your monthly debt payments. The Debt Payoff Planner in DebtToIncomeCS shows you the fastest path to paying down debt using either the Avalanche (highest rate first) or Snowball (lowest balance first) method.
Free forever

Know your DTI ratio
in under 2 minutes.

No credit card. No subscription. Just your numbers.

Get Your Free DTI Portal →
Free forever · No credit card · Takes 30 seconds
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