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Debt-to-Income Ratio Calculator (Loans)
Calculate your DTI to determine your qualification for new loans.
About This Calculator
DTI is the primary metric lenders use to evaluate loan repayment capacity. Fannie Mae's conventional loan DTI limit is 45–50% with compensating factors; FHA allows up to 57% in some cases. Lower DTI correlates strongly with on-time payment history and lower default rates.