Rechner für das Schulden-Einkommens-Verhältnis (DTI)

Debt-to-Income (DTI) Ratio Calculator – Check Your Mortgage Eligibility Online

Your Debt-to-Income (DTI) Ratio is one of the first numbers lenders review when deciding whether to approve a mortgage, personal loan, or refinance application. This free DTI Ratio Calculator helps you measure how much of your monthly income goes toward debt payments, giving you a clearer picture of your borrowing power and overall financial health before you apply.

Why Your Debt-to-Income Ratio Matters

A strong credit score doesn't always guarantee loan approval. If too much of your income is already committed to monthly debt, lenders may consider you a higher lending risk. Calculating your DTI ratio early allows you to identify potential issues, reduce unnecessary expenses, and improve your chances of qualifying for better loan terms.

Example: If you earn $6,000 per month before taxes and your total monthly debt payments are $2,100, your back-end DTI ratio is 35%. Many lenders consider this a healthy range for mortgage applications, although lending requirements vary.

How to Calculate Your Debt-to-Income Ratio

1. Select the lending guideline you want to compare against, such as Conventional or FHA.
2. Enter your gross monthly income before taxes and deductions.
3. Add your monthly housing expenses, including mortgage or rent, property taxes, insurance, and HOA fees if applicable.
4. Enter your recurring monthly debt payments, such as credit cards, car loans, student loans, and personal loans.
5. Click Calculate Debt-to-Income Ratio to view your housing ratio, total DTI ratio, and personalized results.

Calculator Features

• Front-End and Back-End DTI Calculations: Compare your housing expenses and total monthly debt separately.
• Lending Guideline Comparison: See how your ratios compare with common Conventional and FHA mortgage benchmarks.
• Interactive Results: Visual charts make it easier to understand where your monthly income is being allocated.
• Shareable Summary: Copy or export your results when discussing financing options with lenders or financial advisors.

Understanding Your Results

Lower DTI ratios generally indicate greater financial flexibility. A high ratio doesn't automatically mean your application will be declined, but it may affect the amount you can borrow or the interest rate you're offered. Reviewing your DTI regularly can also help you monitor progress as you pay down debt or increase your income.

Tips to Improve Your Debt-to-Income Ratio

Paying off high-interest credit cards, avoiding new loan applications before applying for a mortgage, increasing your monthly income, or making a larger down payment can all help reduce your DTI ratio. Even small reductions in recurring monthly debt can improve your borrowing profile and increase your financing options.