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Calculadora de Dívida sobre Renda

Calcule sua relação dívida-renda e sua classificação para qualificação de hipoteca.

Introdução

Debt-to-Income Calculator — Calculate your debt-to-income ratio and mortgage qualification rating. Enter Monthly debt payments, Gross monthly income to get an instant, accurate result.

Fórmula

DTI % = (monthly debt payments / gross monthly income) × 100. Rated: 36% or below is healthy, up to 43% is generally acceptable for most mortgage qualification, above 43% is high.

Passo a passo

  1. Enter the Monthly debt payments.
  2. Enter the Gross monthly income.
  3. Click Calculate to see your result instantly.

Exemplo do mundo real

Example: With Monthly debt payments = 800, Gross monthly income = 5000, the Debt-to-Income Calculator gives Dti Pct: 16, Rating: Healthy (<=36%).

Perguntas Frequentes

Why are 36% and 43% used as thresholds?
These are commonly cited lender guidelines — 36% is often considered a healthy DTI, and 43% is a frequently used maximum for mortgage qualification — but actual limits vary by lender and loan program.
Should I use gross or net income?
Gross (pre-tax) monthly income, which matches how lenders typically calculate DTI.
What inputs does the Debt-to-Income Calculator need?
You'll need to provide: Monthly debt payments, Gross monthly income. All fields use sensible defaults, so you can see a working example immediately and then adjust the values to match your own numbers.
How accurate is the Debt-to-Income Calculator?
The Debt-to-Income Calculator applies the formula exactly as calculated — DTI % = (monthly debt payments / gross monthly income) × 100. Rated: 36% or below is healthy, up to 43% is generally acceptable for most mortgage qualification, above 43% is high. — so results are precise for the inputs you provide. Accuracy depends on entering correct, realistic input values.
Are these results guaranteed?
No. The Debt-to-Income Calculator gives an estimate based on the numbers you enter and standard financial formulas — actual rates, fees, taxes, and terms vary by lender, institution, and jurisdiction, and can change over time. This is not financial advice; consult a qualified financial professional for decisions specific to your situation.
Is the Debt-to-Income Calculator free to use?
Yes, the Debt-to-Income Calculator is completely free, requires no signup, and runs instantly in your browser.

Sobre a Calculadora de Dívida sobre Renda

The Debt-to-Income Calculator uses a real, verifiable formula — DTI % = (monthly debt payments / gross monthly income) × 100. Rated: 36% or below is healthy, up to 43% is generally acceptable for most mortgage qualification, above 43% is high. — so results are accurate every time, not an approximation.