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.