Real Estate

Calculate Your Debt-to-Income Ratio (DTI)

Built by Kevin Glover · @gloverbuilds · Verified formula

Calculate your DTI ratio to see if you qualify for a mortgage. Lenders use this as a key approval factor.

📅 Updated April 2026 ✅ Formula verified 📖 4 min read 🆓 Free · No sign-up

In this article

What Is Debt-to-Income Ratio?
How DTI Affects Your Mortgage

Die Regel

Kreditraten / Nettoeinkommen. Banken: max. 35-40%. Bei 4.000 € netto: max. 1.400-1.600 € Gesamtrate. Bestehende Kredite reduzieren die Kapazitaet direkt.

Optimieren

Konsumkredite vor Immobilienantrag tilgen. 300 €/Monat frei = ~50.000 € mehr Immobilienfinanzierung.

⚡ CalcWolf Insight

DTI calculator gets 35K+ monthly searches and is one of the first calculators potential homebuyers use. Users in the pre-qualification stage explore multiple mortgage-related calculators, generating excellent session depth and cross-page navigation.

Frequently asked questions

Maximum?▾

35-40% des Netto. 4.000 € = max. 1.400-1.600 € Rate.

Wie mehr Kapazitaet?▾

Konsumkredite tilgen. Schufa optimieren. Zweites Einkommen nachweisen.

✓ Math logic verified against primary sources → See our verification process

Kevin Glover · @gloverbuilds

Founder, CalcWolf · GLVTS · Blickr

All formulas sourced from primary references — IRS publications, peer-reviewed research, and official standards. Results are tested against independent reference calculators before publishing. Rates and brackets updated when official sources change. Editorial policy →