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Debt-to-Income Ratio Calculator

Use this DTI Calculator to quickly estimate your debt-to-income ratio and understand how your income, debts, and monthly payments may affect mortgage eligibility.

Gross Income

Monthly total: $0
Before taxes
$
$
$

Housing Payment

Monthly total: $0
PITI, HOA and PMI
$

Other Monthly Debts

Monthly total: $0
$
$
Minimums
$
$
$
Reported debts
$
Used for borrowing room
Underwriting limits vary by loan program, credit profile, reserves and automated underwriting findings. 36% is conservative, 43% is a common benchmark, and 50% reflects the higher end that some conventional programs allow with strong compensating factors.
What counts: lenders use the minimum monthly payments reported on your credit report plus the proposed housing payment. Utilities, groceries, phone service, insurance premiums, childcare and other living expenses are generally not included in DTI. Installment debts with only a few payments remaining may be excluded by some programs.

Back-End DTI Ratio

0%

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Total monthly debt payments, including the proposed housing payment, divided by gross monthly income.

0% 36% 43% 50% 60%+
Front-End (Housing) Ratio
0%
28% guideline

Monthly Summary

Gross Monthly Income $0
Housing Payment $0
Other Debt Payments $0
Total Monthly Debt $0
Income After Debt Payments $0
Room Below 43% Target $0
Max Housing Payment at 43% $0

Typical Program Guidelines

Conventional Up to about 45–50%
FHA 43% base, higher with factors
VA 41% plus residual income
USDA 41% back-end, 34% housing
DTI Assessment
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Estimate only. Qualifying ratios, income calculations and debt treatment vary by loan program and lender. Not a commitment to lend.

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