However, loan providers can also think about your credit history and you can credit history which will assist equilibrium a top DTI The debt-to-income proportion (DTI) is actually a portion calculated by the dividing your own total month-to-month debt costs by the disgusting month-to-month earnings. Make use of the calculator lower than to estimate their DTI proportion. Debt-to-Money Calculator Your debt-to-money (DTI) ratio is a vital metric lenders have a look at when considering credit money for you.