Blank Debt-to-Income Ratio Sheet
Prepared by:
[YOUR NAME]
[YOUR COMPANY NAME]
Instructions
Fill in the following information to calculate your Debt-to-Income Ratio (DTI). Your DTI ratio is the percentage of your monthly gross income that goes toward paying debt.
1. Income Information
Description | Amount ($) |
|---|
Monthly Gross Income | |
(Include all sources of income) | |
Other Monthly Income (if applicable) | |
2. Debt Information
Monthly Debt Payments
Debt Type | Monthly Payment ($) |
|---|
Mortgage/Rent | |
Car Loan | |
Credit Card Payments | |
Student Loans | |
Personal Loans | |
Other Debts (specify) | |
3. Debt-to-Income Ratio Calculation
Description | Amount ($) |
|---|
Total Monthly Debt Payments | |
(Sum of all debt payments) | |
Total Monthly Income | |
(Sum of all income sources) | |
Debt-to-Income Ratio (%) | |
4. DTI Calculation Formula
DTI Ratio = (Total Monthly Debt Payments / Total Monthly Gross Income) × 100
Result
A DTI ratio of 36% or less is generally considered good by lenders.
A DTI ratio above 36% may indicate financial strain, which could affect loan eligibility.
Note
If you need further assistance in interpreting or improving your DTI ratio, consider consulting with a financial advisor.
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