Debt-to-Income Ratio Calculator
Calculate your front-end and back-end debt-to-income (DTI) ratio and see how lenders would rate it.
How it works
Front-end DTI = housing ÷ income · Back-end DTI = (housing + other debts) ÷ income
Debt-to-income ratio is the share of your gross monthly income that goes to debt. Lenders check two versions: the front-end ratio (housing only) and the back-end ratio (all debt payments). The back-end number is the one that usually decides mortgage approval, with 43% a common hard ceiling.
Worked example
On $6,000 monthly income with a $1,600 housing payment and $600 of other debt: front-end DTI is 26.7% and back-end is 36.7% — inside the workable band but close to the comfortable 36% mark.
Frequently asked questions
What DTI do I need for a mortgage?
Many lenders cap the back-end ratio at 43% for a qualified mortgage, and prefer 36% or lower. Some programs stretch to 50% with strong credit and reserves.
Does gross or net income matter?
Lenders use gross (pre-tax) monthly income for DTI. Your budget should use net pay, so your real breathing room is tighter than the ratio suggests.
How do I lower my DTI fast?
Pay off or pay down the debts with the highest monthly payments (not just highest balances), avoid new loans before applying, and document any extra income.
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This is an educational estimate, not financial advice. Confirm figures with your lender, advisor or tax professional.