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Written by the EachTools Team

Last updated: January 2026

How Debt-to-Income Ratio Works

DTI ratio compares your monthly debt payments to your gross monthly income. Lenders use it to evaluate loan eligibility — most prefer a DTI below 36%.

Formula

DTI = (Total Monthly Debt Payments / Gross Monthly Income) × 100

Steps

Enter your gross monthly income.
Add all monthly debt payments (rent, loans, credit cards).
View your DTI ratio and whether it meets common lending thresholds.

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