Debt-to-Income Auto Calculator
Calculate your debt-to-income ratio to see if you qualify for an auto loan. Lenders use DTI to determine your borrowing capacity and loan eligibility.
Step 1: Income Information
Understanding Gross Income
Gross income is your total income before taxes and deductions. Include all sources: salary, bonuses, commissions, alimony, child support, and investment income.
Step 2: Debt Information
About Debt-to-Income Ratio
DTI is calculated by dividing your total monthly debt payments by your gross monthly income. Lenders typically prefer a DTI below 43% for auto loans.
Debt-to-Income Results
Your Debt-to-Income Ratio
Lender DTI Requirements Comparison
| Lender Type | Max DTI | Auto Loan Rate | Your Status |
|---|
Income vs Debt Breakdown
DTI Formula
Debt-to-Income Ratio = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100
Front-end ratio includes only housing costs. Back-end ratio includes all monthly debt obligations. Most lenders prefer a back-end DTI below 43% for auto loans.
Need Professional Auto Loan Advice?
Connect with our financial experts for personalized auto loan recommendations, pre-approval assistance, and debt management strategies.
Get Financial Advice