See the relationship
DTI compares monthly debt payments with gross monthly income, before taxes and deductions. Divide the debt payments by gross income and express the result as a percentage.
An illustration
Monthly debt payments of $2,400 and gross income of $8,000 produce a 30% DTI. This example explains the arithmetic; the applicable program determines how income and obligations are evaluated.
Prepare a clear picture
Bring current debt statements and income records. IIMBC can help identify which figures belong in the financing review.
Research: CFPB, Debt-to-income ratio. Reviewed October 19, 2026.