FinanceUpdated May 2026

Debt-to-Income (DTI) Ratio Calculator

Find your debt-to-income ratio for mortgage qualification, including front-end and back-end DTI.

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Updated 2026

DTI Calculator

Use this free DTI calculator to find your debt-to-income ratio. Lenders use DTI to decide if you qualify for a mortgage or other loan.
Your Numbers
Monthly amounts

Housing Costs

Other Debts

Enter Your Numbers

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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How our DTI calculator works

1

Enter gross monthly income

Type your total monthly gross income before taxes. Include base salary, bonuses, commissions, and any other regular income.

2

Add your monthly debts

Enter housing (rent or mortgage payment), auto loans, student loans, credit card minimums, and any other monthly debt payments.

3

Get your front-end and back-end DTI

Front-end DTI = housing / income. Back-end DTI = all debts / income. Most lenders want back-end DTI under 36%; FHA loans allow up to 43%.

Key things to know about our dti calculator:

  • DTI benchmarks: Under 36% is ideal. 36-43% is acceptable for most mortgages. Above 43% is hard to qualify for conventional loans. FHA allows 50% DTI in some cases.
  • Improve DTI: Pay down credit cards (most effective), avoid new loans, refinance high-rate debt, or increase income. Improving DTI takes months, not weeks.
  • Not the only factor: Lenders also consider credit score, down payment, employment history, and reserves. DTI is one of several factors in mortgage qualification.

For related calculations, try our mortgage calculator.

Quick Answer: DTI Ratio Limits by Loan Type

Maximum debt-to-income ratio allowed for common mortgage types, with example calculations on a $100,000 income:

Loan typeMax front-end DTIMax back-end DTIMax monthly debt at $100K
Conventional28%36%$3,000
FHA31%43%$3,583
VANo limit41%$3,417
Jumbo28–30%36–43%$3,000–$3,583

Front-end DTI = housing-only ÷ gross income. Back-end DTI = all monthly debts ÷ gross income. Lenders prefer lower ratios for better rates. Use the calculator above with your full debt picture.

Debt-to-Income Ratio

Verified accuracy

Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.

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Learn as you calculate

Each calculator includes the formula, plain-English explanation, and FAQs so you understand the result.

Estimates only. Calculator results are for educational and planning purposes — not professional advice. For binding decisions on taxes, investments, health, or legal matters, consult a qualified professional.

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