This is an estimate of loan payments. The actual loan payment amounts may vary. Your debt-to-income (DTI) ratio and credit history are two important financial health factors lenders consider when determining if they will lend you money. To calculate your estimated DTI ratio, simply enter your current gross annual income and gross monthly payments. We’ll help you understand what it means for you. * Please note this calculator is for educational purposes only and is not a denial or approval of credit.