b'UNDERSTANDINGDEBT-TO-INCOMEDebt-to-income (DTI) ratio compares your monthly debt expenses to your monthly gross income. Understanding your DTI ratio is important because it determines the lending amount a bank or lender is willing to lend you.How to Calculate Your DTI$ $ %Monthly debtGross monthly DTI ratiopayment incomeAll the paymentsAll income before Ratio is often that composetaxes are deducted multiplied by your debt in an100 to get a average month:percentage. including The preferredCredit Cardmaximum DTI isCar Loans usually aroundMortgage/Rent 40% Property Taxes Insurances44'