---
title: "Debt-to-Income Ratio Calculator — US, UK, Canada Mortgage Qualification"
description: "Calculate your DTI ratio and check mortgage qualification. US 43% benchmark, Canadian TDS/GDS thresholds, UK affordability rules explained. Free, no ads."
url: "https://worldcalculators.org/calculators/debt-to-income/"
canonical: "https://worldcalculators.org/calculators/debt-to-income/"
---

# Debt-to-Income Ratio Calculator

Calculate your DTI ratio and check mortgage qualification. US 43% benchmark, Canadian TDS/GDS thresholds, UK affordability rules explained. Free, no ads.

## Quick answer

DTI = total monthly debt payments ÷ gross monthly income, expressed as a percentage. US lenders commonly target 43% DTI — the Qualified-Mortgage benchmark, which since 2021 is an APR-based price test rather than a hard cap; Canada uses TDS ≤44% and GDS ≤39%; the UK relies on an affordability stress test (typically lending 4–4.5× income) rather than a single fixed ratio.

## Sources & Methodology

Debt-to-income ratio is total monthly debt obligations divided by gross monthly income. Qualification methods and thresholds differ by country — a fixed DTI limit in the US, GDS/TDS ratios in Canada, and affordability stress tests in the UK.

Source: https://worldcalculators.org/calculators/debt-to-income/
Markdown mirror of the HTML page. Prefer this URL for RAG; the interactive calculator still lives on the HTML page.