Finance/Calculator

Debt-to-Income Ratio Calculator

Calculate your DTI ratio to understand how lenders will view your mortgage or loan application. Add all monthly debt payments for an accurate result.

Your Income & Debts

Gross Monthly Income (S$)

Monthly Debt Payments (S$)

DTI Ratio9.2% — Excellent

Your DTI Analysis

9.2%DTI Ratio

Debt-to-Income Ratio

9.2%

Excellent

Your DTI is excellent. Lenders will view you very favourably. You have strong borrowing capacity.

Gross Monthly IncomeS$6,000

Total Monthly Debt PaymentsS$550

Front-End DTI (housing only)—

Back-End DTI (all debts)9.2%

DTI StatusExcellent

< 20%

Excellent

< 36%

Good

≤ 43%

Max

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How It Works

Debt-to-Income ratio = (Total monthly debt payments ÷ Gross monthly income) × 100

Lenders use DTI as a key measure of your ability to manage monthly payments and repay debts. The "back-end" DTI includes all monthly obligations: mortgage/rent, car loans, student loans, credit card minimums, and other installment debts.

Most conventional lenders use 43% as the maximum DTI for qualified mortgages (QM), though the ideal is 36% or below. A DTI under 20% demonstrates excellent financial health.