what is dti
What is the 'Debt-To-Income Ratio - DTI'. A personal finance measure that compares an individualâs debt payment to his or her overall income. A debt-to-income ratio (DTI) is one way lenders (including mortgage lenders) measure an individualâs ability to manage monthly payment and repay debts. DTI is calculated by dividing total recurring monthly debt by gross monthly income, and it is expressed as a percentage.