Debt-to-income ratio

Your debt-to-income ratio (DTI) is all of your monthly debt payments divided by your gross monthly income expressed as a percent. It indicates to lenders your ability to handle the monthly payments for the money you want to borrow.

While debt-to-income ratio standards used by vendors vary, a typical interpretation of your DTI by a lender could be:

When applying for a credit account for which your debt-to-income ratio is considered, ask the lender for the specific levels being applied.

The Debt-to-income Ratio page in each budget space is optional. The page is there for your convenience only should you choose to use it.