---
title: "Debt To Income Calculator - Reviews, Revenue and Downloads in United States | Apple App Store"
description: "This app was designed to aid you to determine how much debt you could afford compared to your existing income. This app will tell you the ratio between your current income and  debt.  What is a debt-t"
---

# Debt To Income Calculator — United States
> Calculate your DTI Ratio

![Debt To Income Calculator App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple116/v4/09/e0/5e/09e05ec8-a66b-bba8-fafc-17cc3b8af700/AppIcon-0-0-1x_U007emarketing-0-0-0-7-0-0-sRGB-0-0-0-GLES2_U002c0-512MB-85-220-0-0.png/434x0w.png)

**Developer:** [Rukshan Marapana](https://apptail.io/developer/rukshan-marapana-xcZ)
**Category:** Finance
**Rating:** 2.8/5 (5 ratings)
**Price:** $2.99
**Bundle ID:** com.appnotized.DebtToIncomeCalculator
**Store:** Apple App Store
**Country:** United States
**Version:** 1.2 (released 2023-09-03)
**Original Release:** 2018-12-07
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id1440421121)
**AppTail Page:** [https://apptail.io/app/debt-to-income-calculator-Xiq/united-states](https://apptail.io/app/debt-to-income-calculator-Xiq/united-states)

## Debt To Income Calculator Description
This app was designed to aid you to determine how much debt you could afford compared to your existing income. This app will tell you the ratio between your current income and  debt.

What is a debt-to-income ratio?

Debt to income ratio (DTI) is the amount of your total monthly bills divided by how much money you make a month. It allows lenders to determine the likelihood that you would be able to repay a loan.

For instance, if you pay $2,000 a month for a mortgage, $300 a month for an auto loan and $700 a month for the rest of your bills, you have a total monthly debt of $3,000.

If your gross monthly income is $7,000, you divide that into the debt ($3,000 / 7,000) and your debt-to-income ratio is 42.8%.

Most lenders would like your debt-to-income ratio to be under 35%. However, you can receive a qualified mortgage with as high as a 43% debt-to-income ratio.

According to the Federal Reserve Board, the household debt service payments and financial obligations as a percentage of disposable personal income was 10.1% in the first quarter of 2017. That is down from the high of 18.1 in December of 2009.

The ratio is best figured on a monthly basis. For example, if your monthly take-home pay is $2,000 and you pay $400 per month in debt payment for loans and credit cards, your debt-to-income ratio is 20 percent ($400 divided by $2,000 = .20).

Put another way, the ratio is a percent of your income that is pre-promised to debt payments. If your ratio is 40%, that means you have pre-promised 40% of your future income to pay debts.

Why Debt-To-Income Ratio % Matters

While there is no law establishing a definitive debt-to-income ratio that requires lenders to make a loan, there are some accepted standards, especially as it regard federal home loans.

For example, if you qualify for a VA loan, the department of Veteran Affairs guidelines suggest a 41% debt-to-income ratio. FHA loans will allow for a ratio of 43%. It is possible to get a VA or FHA loan with a higher ratio, but only when there compensating factors.

The ratio needed for conventional loans varies, depending on the lending institution. Most banks rely on the 43% figure for debt-to-income, but it could be as high as 50%, depending on factors like income and credit card debt. Larger lenders, with large assets, are more likely to accept consumers with a high income-to-debt ratio, but only if they have a personal relationship with the customer or believe there is enough income to cover all debts.

Remember, evidence shows that the higher the ratio, the more likely the borrower is going to have problems paying.

## Debt To Income Calculator Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource126/v4/db/f5/de/dbf5de50-ebe4-d145-4350-df03a8e6fffb/d9fe178a-ae02-4196-95a6-49058c9c6c33_Simulator_Screenshot_-_iPhone_8_Plus_-_2023-09-03_at_18.55.53.png/1242x2208.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource126/v4/9a/7e/3a/9a7e3a38-246a-57bf-b0f1-deb8859ecccb/086d980b-5bf1-4973-849c-d1421cf21b88_Simulator_Screenshot_-_iPhone_8_Plus_-_2023-09-03_at_18.56.05.png/1242x2208.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource126/v4/13/56/e1/1356e114-a669-7294-abf7-8047d59edab3/42b2e10b-c157-473f-9a26-041d6afe1a26_Simulator_Screenshot_-_iPhone_8_Plus_-_2023-09-03_at_18.57.30.png/1242x2208.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource116/v4/d6/cb/6b/d6cb6bc8-c5bf-a5dd-3ba3-bf6610fc7251/09adcc21-9b5a-4424-bffc-44df1cc0093a_Simulator_Screenshot_-_iPhone_8_Plus_-_2023-09-03_at_18.57.46.png/1242x2208.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource116/v4/28/37/20/28372034-d3b7-2c03-12e9-a7420f6ca9d3/2308fa18-05b9-4f5a-ab24-e9d6a8395979_Simulator_Screenshot_-_iPhone_8_Plus_-_2023-09-03_at_18.58.02.png/1242x2208.png)

## Debt To Income Calculator Rating Breakdown in United States
- 5 stars: 2 (40%)
- 4 stars: 0 (0%)
- 3 stars: 0 (0%)
- 2 stars: 1 (20%)
- 1 stars: 2 (40%)

## Debt To Income Calculator Reviews in United States

### *---- "Has a Bug"
It is off by 2 decimals.
-- CAglowgirl, 2021-06-04

### ***** "Works Great!"
Simple yet effective. I needed a quick and easy way to calculate my debt to income ratio for a mortgage refinance. This helped me see what I needed to see.
-- Latenightfix, 2021-04-22

### **--- "Need more edit capability"
This app is too basic. There are other financial factors that need to be included. There should be an edit button to add a debt or income. Field should to be freestyle to write in what you want it titled. Wasted $3.99 unless it’s getting updated to allow editing of fields. Will wait to see an update happens, but if not changed, will delete as it’s useless as it is.
-- nina0104dig, 2020-05-20

### ***** "Exactly what I needed for work"
Perfect exactly what I needed for work
-- odalisca738, 2019-04-20

[View all Debt To Income Calculator reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)


## Debt To Income Calculator Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Paid | Colombia | Finance | #151 |
| Top Paid | United States | Finance | #184 |
| Top Paid | Malaysia | Finance | #205 |

## Debt To Income Calculator Discovered Keywords
- debt to income calculator

## Apps Similar to Debt To Income Calculator
- [Mortgage Calculator Plus](https://apptail.io/app/mortgage-calculator-plus-ukc/united-states)
- [Loan Calculator Professional](https://apptail.io/app/loan-calculator-professional-qSd/united-states)
- [Loan Calculator - Debt Planner](https://apptail.io/app/loan-calculator-debt-planner-ubi/united-states)
- [Mortgage Calculator- Home Loan](https://apptail.io/app/mortgage-calculator-home-loan-vjk/united-states)
- [Loan Calculator - Loan2Me](https://apptail.io/app/loan-calculator-loan2me-Hrq/united-states)
- [Debt Snowball - Payoff Planner](https://apptail.io/app/debt-snowball-payoff-planner-cSs/united-states)
- [Amortization Calculator - Calc](https://apptail.io/app/amortization-calculator-calc-UpJ/united-states)
- [Simulateur Prêt Immobilier](https://apptail.io/app/simulateur-pret-immobilier-JhYc/united-states)
- [Debt 2 Income Calculator](https://apptail.io/app/debt-2-income-calculator-UXXd/united-states)
- [Bee Mortgage Calculator](https://apptail.io/app/bee-mortgage-calculator-umze/united-states)

## Debt To Income Calculator Available In
- [United States](https://apptail.io/app/debt-to-income-calculator-Xiq/united-states)
- [Armenia](https://apptail.io/app/debt-to-income-calculator-Xiq/armenia)
- [Argentina](https://apptail.io/app/debt-to-income-calculator-Xiq/argentina)
- [Australia](https://apptail.io/app/debt-to-income-calculator-Xiq/australia)
- [Azerbaijan](https://apptail.io/app/debt-to-income-calculator-Xiq/azerbaijan)
- [Brunei](https://apptail.io/app/debt-to-income-calculator-Xiq/brunei)
- [Belarus](https://apptail.io/app/debt-to-income-calculator-Xiq/belarus)
- [Canada](https://apptail.io/app/debt-to-income-calculator-Xiq/canada)
- [China](https://apptail.io/app/debt-to-income-calculator-Xiq/china)
- [Colombia](https://apptail.io/app/debt-to-income-calculator-Xiq/colombia)
- [Czechia](https://apptail.io/app/debt-to-income-calculator-Xiq/czechia)
- [Germany](https://apptail.io/app/debt-to-income-calculator-Xiq/germany)
- [Dominican Republic](https://apptail.io/app/debt-to-income-calculator-Xiq/dominican-republic)
- [Algeria](https://apptail.io/app/debt-to-income-calculator-Xiq/algeria)
- [Ecuador](https://apptail.io/app/debt-to-income-calculator-Xiq/ecuador)
- [Egypt](https://apptail.io/app/debt-to-income-calculator-Xiq/egypt)
- [Spain](https://apptail.io/app/debt-to-income-calculator-Xiq/spain)
- [France](https://apptail.io/app/debt-to-income-calculator-Xiq/france)
- [United Kingdom](https://apptail.io/app/debt-to-income-calculator-Xiq/united-kingdom)
- [Greece](https://apptail.io/app/debt-to-income-calculator-Xiq/greece)
- [Hong Kong SAR China](https://apptail.io/app/debt-to-income-calculator-Xiq/hong-kong)
- [Croatia](https://apptail.io/app/debt-to-income-calculator-Xiq/croatia)
- [Ireland](https://apptail.io/app/debt-to-income-calculator-Xiq/ireland)
- [Israel](https://apptail.io/app/debt-to-income-calculator-Xiq/israel)
- [India](https://apptail.io/app/debt-to-income-calculator-Xiq/india)
- [Japan](https://apptail.io/app/debt-to-income-calculator-Xiq/japan)
- [South Korea](https://apptail.io/app/debt-to-income-calculator-Xiq/south-korea)
- [Kuwait](https://apptail.io/app/debt-to-income-calculator-Xiq/kuwait)
- [Sri Lanka](https://apptail.io/app/debt-to-income-calculator-Xiq/sri-lanka)
- [Lithuania](https://apptail.io/app/debt-to-income-calculator-Xiq/lithuania)
- [Latvia](https://apptail.io/app/debt-to-income-calculator-Xiq/latvia)
- [Malaysia](https://apptail.io/app/debt-to-income-calculator-Xiq/malaysia)
- [Nigeria](https://apptail.io/app/debt-to-income-calculator-Xiq/nigeria)
- [Norway](https://apptail.io/app/debt-to-income-calculator-Xiq/norway)
- [Nepal](https://apptail.io/app/debt-to-income-calculator-Xiq/nepal)
- [New Zealand](https://apptail.io/app/debt-to-income-calculator-Xiq/new-zealand)
- [Peru](https://apptail.io/app/debt-to-income-calculator-Xiq/peru)
- [Poland](https://apptail.io/app/debt-to-income-calculator-Xiq/poland)
- [Portugal](https://apptail.io/app/debt-to-income-calculator-Xiq/portugal)
- [Paraguay](https://apptail.io/app/debt-to-income-calculator-Xiq/paraguay)
- [Romania](https://apptail.io/app/debt-to-income-calculator-Xiq/romania)
- [Russia](https://apptail.io/app/debt-to-income-calculator-Xiq/russia)
- [Sweden](https://apptail.io/app/debt-to-income-calculator-Xiq/sweden)
- [Slovenia](https://apptail.io/app/debt-to-income-calculator-Xiq/slovenia)
- [Slovakia](https://apptail.io/app/debt-to-income-calculator-Xiq/slovakia)
- [Thailand](https://apptail.io/app/debt-to-income-calculator-Xiq/thailand)
- [Tunisia](https://apptail.io/app/debt-to-income-calculator-Xiq/tunisia)
- [Türkiye](https://apptail.io/app/debt-to-income-calculator-Xiq/turkey)
- [Taiwan](https://apptail.io/app/debt-to-income-calculator-Xiq/taiwan)
- [Ukraine](https://apptail.io/app/debt-to-income-calculator-Xiq/ukraine)
- [United Arab Emirates](https://apptail.io/app/debt-to-income-calculator-Xiq/united-arab-emirates)
- [South Africa](https://apptail.io/app/debt-to-income-calculator-Xiq/south-africa)

---

## About AppTail

[AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. Track your app's performance, discover ranking keywords, monitor competitors, and analyze market trends.

- [Search Apps](https://apptail.io)
- [Top Charts](https://apptail.io/top-iphone-apps)
- [Sign Up for Full Access](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=footer)

*Data provided by [AppTail](https://apptail.io) - Mobile App Intelligence Platform*