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Debt-to-Income (DTI) Ratio Calculator
Calculate your debt-to-income ratio from income, housing cost, car loans, student loans, and credit cards. See front-end and back-end DTI and what lenders usually allow.
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Tool workspace
Educational estimate. Lenders set their own limits by loan type, credit score, and reserves. Calculations run in your browser.
Back-end DTI (all debts)
0%
Front-end DTI (housing only)0%
Monthly gross income$0
Total monthly debts$0
Max total debt at 36%$0
Max total debt at 43%$0
Max housing at 28%$0
How it works
- Enter your gross income per month or per year.
- Add housing cost plus car, student, credit card, and other monthly debts.
- Read your front-end and back-end DTI with a plain-English verdict and lender limits.
Features
- Front-end (housing) and back-end (all debts) DTI
- Maximum debt at the common 28%, 36%, and 43% limits
- Monthly or yearly income input
- Plain-English verdict for mortgage applications
- Runs in your browser with no signup
How to calculate debt-to-income ratio
Add up your monthly debt payments and divide by your gross monthly income. With $6,500 a month in income and $2,650 in total monthly debts (housing $1,900, car $400, student loan $250, cards $100), your back-end DTI is about 40.8%.
Front-end DTI uses only housing costs. The same $1,900 housing payment on $6,500 income is about 29.2%.
What DTI do mortgage lenders want?
A common guideline is housing at 28% or less and total debts at 36% or less of gross income. Many conventional lenders approve up to about 43% to 45%, and FHA loans can go higher with strong credit or savings. Rules vary by lender and loan program.
Debt-to-Income (DTI) Calculator FAQ
Under 36% is generally considered good. Many mortgage lenders allow up to about 43%, and some programs go higher with compensating factors.
Divide your total monthly debt payments by your gross monthly income and multiply by 100. For example, $2,650 of debts on $6,500 income is 40.8%.
Housing payment, car loans, student loans, minimum credit card payments, personal loans, and child support or alimony. Utilities, groceries, and insurance premiums usually do not count.
Front-end DTI is your housing cost divided by gross income. Back-end DTI includes housing plus all other monthly debts.
FHA guidelines often reference 31% front-end and 43% back-end, but approvals up to around 50% are possible with strong credit or reserves. Your lender makes the final call.