Debt-to-Income (DTI) Ratio Calculator
Calculate your front-end and back-end debt-to-income ratios — the numbers mortgage and loan lenders use to judge what you can afford.
For information and education only — not financial advice. Results are estimates based on the numbers you enter; check important decisions with a qualified professional.
How to use
- 1Enter your gross (pre-tax) monthly income.
- 2Enter your monthly housing payment and other monthly debt payments.
How it's calculated
Front-end DTI = housing payment ÷ gross monthly income. Back-end DTI = (housing + all other monthly debt payments) ÷ gross monthly income.
Frequently asked questions
What DTI do lenders want?
Many conventional mortgage lenders look for back-end DTI of 36% or less, and allow up to about 43–50% with strong credit. FHA often allows higher.
What counts as debt?
Minimum payments on cards, car, student and personal loans, child support and the new housing payment. Utilities, groceries and insurance usually don't count.
Should I use gross or net income?
Lenders use gross monthly income — before taxes and deductions.