Debt-to-Income (DTI) Ratio Calculator

Calculate your DTI ratio to see if you qualify for a mortgage. Lenders use this to determine if you can afford additional debt.
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Calculate your DTI ratio and see where you stand with lenders

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How DTI Ratio Works

Front-End DTI (Housing Ratio)

Housing costs only: mortgage + property tax + insurance. Lenders prefer ≤ 28%.

Back-End DTI (Total DTI)

All debt payments: housing + car + student loans + credit cards + other. Most loans require ≤ 43%.

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Debt-to-Income Ratio Guide

What it is and how to lower it

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How DTI affects mortgage approval

Debt-to-Income (DTI) Ratio Calculator - Free | CalcCentral