How to Calculate Your Debt-to-Income (DTI) Ratio


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1 On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to TransUnion®, Experian®, and Equifax®. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

2 Information from Consumer Financial Protection Bureau’s debt-to-income calculator as of December 2, 2022: https://files.consumerfinance.gov/f/documents/cfpb_your-money-your-goals_debt_income_calc_tool_2018-11_ADA.pdf

3 Information from The Department of Housing and Urban Development’s HUD 4155.1, Mortgage Credit Analysis for Mortgage Insurance – Section F. Borrower Qualifying Ratios as of December 2, 2022: https://www.hud.gov/sites/documents/4155-1_4_SECF.PDF

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