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📊 Debt-to-Income Analysis
DTI Ratio — Total Monthly Obligations (Unsecured + Secured) ÷ Net Income
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0%20%35%50%75%100%
Total Monthly Obligations
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🏦 Lender Perspectives on DTI Ranges
≤ 35%
✅ Favorable
Generally viewed as favorable by lenders. Payments are manageable. You likely have money remaining after paying monthly bills.
36–49%
⚠️ Adequate
DTI ratio is adequate but leaves room for improvement. Lenders may ask for additional eligibility requirements before approving credit.
≥ 50%
❌ High Risk
Limited money to save or spend. Unlikely to qualify for additional credit. Cannot handle an unforeseen event or unexpected expenses.
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The Minimum Payment Trap
At minimum payments only, here's what interest really costs over time
Years to Payoff
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at minimum payments only
Total You'll Pay
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to clear the current balance
Goes to Interest
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— of every dollar paid
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— Year 3 — Total Minimums Paid
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—
— Year 4 — Interest Paid
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— Payoff — Interest Paid
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Year-by-Year Breakdown
| Time Period |
Unsecured Balance |
Annual Min. Pmt |
Total Payments |
Total Interest |
Total Principal |
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