Debt-to-income ratio

Debt-to-income (DTI) ratio is your total monthly debt payments divided by your gross monthly income.

By the MonthlyIQ team · Last updated 2026-09-28 · Editorial policy

What is debt-to-income ratio?

Debt-to-income (DTI) ratio is your total monthly debt payments divided by your gross monthly income.

Lenders use DTI to judge how much new debt you can handle. Lower is generally better.

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General information only, not financial, tax, or legal advice. MonthlyIQ is not a bank or financial adviser.