Debt-to-Income Ratio Calculator
The number lenders actually look at.
Front-end DTI (housing only):
Back-end DTI (all debt):
Lender verdict:
How to use this calculator
Enter your monthly gross income, housing payment, and other monthly debt payments, then press Calculate. Front-end and back-end DTI ratios appear with a lender verdict.
What the result means
DTI is the percentage of income that goes to debt. Lenders typically want back-end DTI at 36% or less — above 43% usually gets declined.
Frequently asked questions
What's a good DTI ratio?
Below 36% is strong. Between 36-43% is workable but tighter. Above 43% most lenders decline.
How can I improve my DTI?
Pay down debt, increase income, or lower your target home price.