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The percentage of gross monthly income that goes toward paying fixed monthly debt obligations.
Use our verified, free in-browser Home Loan Calculator to run scenarios and export PDF reports.
Mortgage lenders and credit institutions use DTI as a primary measure of borrowing risk and repayment capacity.
A DTI below 36% is generally considered healthy, with no more than 28% allocated to housing debt (the 28/36 rule).
Calculates DTI as a percentage of total monthly pre-tax income.
Sum of all EMIs, credit cards, auto loans, and student loans.
Total pre-tax monthly household earnings.