Real Estate

Calculate Your DTI Ratio

Built by Kevin Glover · @gloverbuilds · Verified formula

Calculate your debt-to-income ratio — the key number mortgage lenders use to determine how much you can borrow.

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

In this article

What Is DTI?
DTI Requirements by Loan Type

In Deutschland

Banken pruefen: monatliche Kreditraten / Nettoeinkommen. Max. 35-40% fuer Immobilienfinanzierung. Bei 4.000 € netto: max. 1.400-1.600 € Rate. Bestehende Kredite (Auto, Konsum) reduzieren die verfuegbare Rate. Ein Autokredit von 300 €/Monat reduziert die Immobilienkapazitaet um ~50.000-60.000 €.

Optimieren

Konsumkredite vor Immobilienantrag tilgen. Jeder frei werdende Euro monatlich = 150-200 € mehr Finanzierungsvolumen. Schufa-Score pruefen und optimieren (meineSCHUFA.de).

⚡ CalcWolf Insight

The single most impactful DTI improvement: pay off credit card balances. Credit cards have the highest minimum payment relative to balance of any debt type. Paying off $5,000 in credit card debt eliminates roughly $150/month in minimum payments — a 2-3% DTI improvement on a typical income.

Frequently asked questions

Maximale Belastungsquote?▾

35-40% des Nettoeinkommens. Bei 4.000 €: max. 1.400-1.600 € Gesamtrate.

Wie Kapazitaet erhoehen?▾

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

✓ 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 →