Debt-to-Income Ratio Calculator
Work out the debt-to-income (DTI) ratio lenders use to size up a loan. Enter your gross monthly income, housing payment, and other monthly debts to see both your front-end and back-end DTI with a quick risk rating.
Your monthly numbers
How to use this calculator
1. Enter gross monthly income
Use your income before taxes and deductions. If your pay varies, average a few recent months. Add any steady side income lenders would count.
2. Add your housing payment
Enter rent, or the full mortgage payment including property tax and homeowners insurance (PITI). This drives the front-end ratio on its own.
3. Add every other monthly debt
Include the minimum required payments on car loans, student loans, personal loans, and credit cards. Skip everyday bills like groceries or utilities — DTI only counts debt obligations.
4. Read the rating
The big number is your back-end DTI, and the colored pill rates it from Good to High risk. Lowering debt or raising income both move the ratio in your favor.
About debt-to-income ratio
What is a good debt-to-income ratio?
Many lenders look for a back-end DTI of 36% or lower. Up to about 43% is often still acceptable for a qualified mortgage, while ratios of 44% and higher can make approval harder and push borrowing costs up.
What's the difference between front-end and back-end DTI?
Front-end DTI counts only your housing payment against gross income. Back-end DTI adds every other monthly debt payment — car loans, student loans, minimum credit card payments — so it gives a fuller picture of your obligations.
How the rating works
This tool rates your back-end DTI: 36% or below is Good, 37–43% is Acceptable, 44–49% is Caution, and 50% or higher is High risk. Individual lenders set their own thresholds, so treat this as a guide rather than a guarantee.