Debt-to-Income Calculator

Calculate your DTI ratio to see how lenders view your borrowing capacity.

Your Monthly Income

Gross Monthly Income$7,000

$1,000$50,000

Pre-tax income from all sources

Housing Costs

Mortgage / Rent

Property Tax

Home Insurance

HOA Fees

Other Monthly Debts

Car Payments

Student Loans

Credit Card Min. Payments

Other Debts

Your DTI Ratios

Front-End DTI

27.1%

Housing only

Back-End DTI

39.3%

All debts

Lender View: Good

Good! Your DTI of 39.3% is acceptable for most lenders. Aim to get below 36% for better rates.

Monthly Summary

Housing Costs$1,900

Total Debts$2,750

Remaining Budget$4,250After all debt payments

Gross Income$7,000

Debt Breakdown

Mortgage

$1,500

Property Tax

$300

Insurance

$100

Car Loans

$400

Student Loans

$300

Credit Cards

$150

Income vs Debt

Monthly Debts

$2,750

Remaining

$4,250

Lender DTI Guidelines

Excellent (Most Options)Below 36%

Good (Standard Approval)36% - 43%

Fair (Limited Options)43% - 50%

Difficult to QualifyAbove 50%

Lender Limits (Based on Your Income)

Max Housing Payment$1,96028% of income

Max Total Debts$2,52036% of income

Understanding Debt-to-Income Ratio

How lenders evaluate your ability to repay a loan

What is DTI?

Debt-to-income ratio (DTI) compares your monthly debt payments to your gross monthly income. Lenders use this metric to assess your ability to manage monthly payments and repay borrowed money.

DTI = (Monthly Debt Payments ÷ Gross Monthly Income) × 100

Two Types of DTI

Front-End DTI

Housing costs only (mortgage, taxes, insurance, HOA). Should be below 28%.

Back-End DTI

All monthly debts including housing. Should be below 36% (43% for some programs).

What Counts as Debt?

Included: Mortgage/rent, car loans, student loans, credit card minimums, personal loans, child support, alimony

Not Included: Utilities, phone bills, groceries, subscriptions, gas, entertainment

How to Lower Your DTI

1Pay off credit cards and small loans
2Avoid taking on new debt before applying
3Increase your income (side job, raise, second earner)
4Consider a less expensive home

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Disclaimer

This calculator is provided for informational purposes only. The results are estimates based on the information you provide. Always consult with a qualified financial professional before making important financial decisions.

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