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A Debt-to-Income ratio compares your overall amount of debt to your overall income. To calculate your DTI ratio, you need to add up your total credit or debt balances and divide it by your total gross annual income. A DTI below 3.6 is generally considered low and viewed favourably by lenders. A DTI above 6 is considered high. Lenders will have different DTI limits to assess the risk of lending.
