Enter your income and monthly payments to see your DTI ratio, understand what it means, and get guidance on next steps.
Enter your income and debt payments, then click Calculate DTI Ratio to see where you stand.
Your debt-to-income (DTI) ratio is the percentage of your gross monthly income that goes toward debt repayments. Lenders in the UK use it to assess whether you can comfortably take on additional borrowing. A lower DTI means more of your income is available for savings and living expenses.
Generally, a DTI below 20% is considered healthy. Between 21% and 35% is manageable but worth monitoring. Above 36% may make it harder to get approved for mortgages or loans, and above 50% is a sign you should seek free debt advice from organisations like StepChange or National Debtline.
Yes. UK mortgage lenders look closely at your DTI ratio during affordability checks. Most prefer a DTI below 35-40% including the proposed mortgage payment. A high DTI can lead to a smaller mortgage offer or outright rejection, even if your credit score is good.
Yes. Your rent or mortgage payment is typically your largest monthly obligation and should be included when calculating your DTI. This gives you the most accurate picture of how much of your income is committed to debt and housing costs each month.
Yes. All calculations happen entirely in your browser. We never store, transmit, or access any financial information you enter. Your data never leaves your device.