Finance

Debt-to-Income Ratio Calculator

Calculate your front-end (housing) and back-end (total debt) DTI ratios — the primary metrics lenders use to qualify you for mortgages, auto loans, and personal loans.

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Monthly Debt Payments
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Back-End DTI (Total)
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Front-End DTI
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Total Monthly Debt
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Remaining Income
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Mortgage Eligible
Back-End DTI
0%36% good43% max conv.60%

What Is the Debt-to-Income Ratio?

The debt-to-income ratio (DTI) is the percentage of your gross monthly income that goes toward debt payments. Lenders use DTI as a primary qualifier for mortgages, auto loans, and personal loans. It measures your ability to handle additional debt payments.

There are two DTI ratios: Front-end DTI includes only housing costs (mortgage principal, interest, taxes, insurance). Back-end DTI includes all monthly debt obligations (housing + auto + student loans + credit card minimums + any other loans).

DTI Formulas

Front-End DTI = Monthly Housing Costs / Gross Monthly Income × 100 Back-End DTI = Total Monthly Debt Payments / Gross Monthly Income × 100

DTI Thresholds by Loan Type

DTI RangeAssessmentLoan Availability
Below 36%ExcellentAll loan types, best rates
36–43%AcceptableConventional mortgages, most loans
43–50%HighFHA loans possible, higher rates
Above 50%RiskyVery limited options

Frequently Asked Questions

Conventional loans typically require back-end DTI ≤43% and front-end ≤28%. FHA loans allow up to 43% back-end (sometimes 50% with compensating factors). VA loans have no strict maximum but lenders prefer below 41%. The lower your DTI, the better your rate.
DTI always uses gross income (before taxes). Lenders use gross because it's standardized and verifiable through tax returns and pay stubs. Using net income would make DTI appear worse and varies by tax situation.
Monthly minimum payments on: mortgage, auto loans, student loans, credit cards, personal loans, child support, and alimony. NOT included: utility bills, insurance premiums, cell phone, subscriptions, or groceries. Only legally obligated recurring debt payments count.
Two levers: increase income or reduce debt. Fastest methods: pay off a credit card completely (eliminates the minimum payment), pay down auto loan balance, avoid taking on new debt before applying. A part-time job or freelance income that you can document also helps — but lenders typically require 2 years of self-employment history.