Debt-to-Income (DTI) Calculator

Calculate your front-end and back-end DTI ratios — the two numbers mortgage lenders check before anything else.

Gross monthly income ($)

Housing payment ($)

Other monthly debts ($)

Back-end DTI

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Front-end (housing) DTI —

Lender view —

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How it works

Front-end DTI = housing ÷ gross monthly income; back-end DTI = all debts ÷ income

Frequently Asked Questions

What is a good debt-to-income ratio?

Under 36% back-end is comfortable and easily approved; 36–43% is acceptable to most mortgage lenders (43% is the usual qualified-mortgage ceiling); above 50% severely limits borrowing.

What counts as debt in DTI?

Recurring obligations that appear on your credit report: housing payment, car loans, student loans, credit card minimums, personal loans, alimony/child support. Utilities, groceries, insurance and taxes generally do not count.

Do lenders use gross or net income?

Gross (pre-tax) income. That is why a DTI that looks fine on paper can still feel tight in real life — budget on take-home pay, qualify on gross.

Debt-to-Income (DTI) Calculator

How it works

Frequently Asked Questions

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