Calculators
Budgeting
DTI – Debt to Income Ratio
See what percentage of your monthly income goes toward debt payments, and how much room you have to take on a new loan.
What you pay now
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Room for a new loan
Obligations the lender will count against its ceiling.
%
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Debt-to-Income Ratio
37.5%
⚠ Caution
0%36%43%100%
Total Debt Payments
750,000 ៛
Available for Spending
1,250,000 ៛
After obligations
Housing Share of Income
20.0%
Of monthly income
Room for a new payment
50,000 ៛
Additional monthly payment capacity
Room for a new loan
- Ceiling at 40% of income
- 800,000 ៛
- Counted obligations
- 750,000 ៛
- Ceiling used
- 37.5%
- Room for a new payment
- 50,000 ៛
29 Sept 2026
What lenders look for
✓ Healthy0 – 36%Good position for new loans. Most lenders prefer this range.
⚠ Caution36 – 43%Some lenders may still approve, but options are limited.
✕ High Risk43%+Most lenders will decline. Focus on paying down existing debt.