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Economy Explained: How To Calculate Your Debt-to-Income Ratio GOBankingRates 2/5/2021 David Navarro © alinabuzunova / Twenty20 Flatlay desk: calendar, pen, cash money, phone with calculator and laptop lying on black background. One of the many variables lenders use when deciding whether or not to loan you money is your debt-to-income ratio or DTI. Your DTI reveals how much debt you owe compared to the income you earn. Higher debt paired with lower income results in a higher DTI percentage, whereas lower debt with higher income yields a smaller percentage. Here’s how to calculate your DTI and find out how much debt you owe compared with your income.

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