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href="/es/obtener-respuestas/que-es-una-relacion-deuda-ingreso-es-1791/" lang="es" hreflang="es" translate="no">Español </a> </li> </ul> </div> </div> <div class="block block--flush-top"> <div class="lead-paragraph"> <p data-block-key="38dtx">Your debt-to-income ratio (DTI) is all your monthly debt payments divided by your gross monthly income. This number is one way lenders measure your ability to manage the monthly payments to repay the money you plan to borrow.</p> </div> <div class="block block--sub"> <div class="o-summary o-summary--mobile"> <div class="o-summary__content answer-text"> <div class="row" > <div itemscope itemtype="https://schema.org/FAQPage" class="schema-block schema-block--faq"> <div itemprop="description" class="schema-block_description"> <p data-block-key="4c41g">Different loan products and lenders will have different DTI limits.</p> </div> <div itemscope itemprop="mainEntity" itemtype="https://schema.org/Question" class="schema-block_item" > <h2 itemprop="name">How do I calculate my debt-to-income ratio?</h2> <div itemprop="acceptedAnswer" itemscope itemtype="https://schema.org/Answer"> <div itemprop="text"> <p data-block-key="ugi0a">To calculate your DTI, you add up all your monthly debt payments and divide them by your gross monthly income. Your gross monthly income is generally the amount of money you have earned before your taxes and other deductions are taken out. For example, if you pay $1500 a month for your mortgage and another $100 a month for an auto loan and $400 a month for the rest of your debts, your monthly debt payments are $2,000. ($1500 + $100 + $400 = $2,000.) If your gross monthly income is $6,000, then your debt-to-income ratio is 33 percent. 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