Your debt-to-income ratio (or DTI ratio, for short) is the ratio between your total monthly income and your total monthly debt payments. In other words, it’s how much of your monthly income goes towards debt payments. If you earn $2,000 per month, for example, and have a $100 credit card payment and a $400 student loan payment, your debt-to-income ratio would be 25%: ($100 + $400) / $2,000.