Debt-to-Income Ratio Calculator

Calculate your DTI ratio and see where you stand for mortgage qualification. Lenders use this to approve loans.

Monthly Gross Income

Total household income before taxes

Mortgage / Rent

Car Payment

Student Loans

Credit Card Minimums

Other Monthly Debts

Personal loans, alimony, child support

Your Debt-to-Income Ratio

38.3%

Fair

Total Monthly Debt

$2,300.00

Housing Ratio

25.0%

Room for New Debt

$0.00/mo

Monthly Income

$6,000.00

0%20%36%43%50%+

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Why DTI Matters

Your debt-to-income ratio is one of the most important numbers in personal finance. Lenders use it to determine loan eligibility and interest rates. A lower DTI means better loan terms and more borrowing power.

Front-End vs Back-End DTI

Front-end DTI (housing ratio) includes only housing costs. Back-end DTI includes all debts. Lenders look at both — ideally under 28% front-end and 36% back-end for conventional loans.

Frequently Asked Questions

What is a good debt-to-income ratio?

Under 20% is excellent, 20-36% is good, 37-43% is fair (FHA limit), and over 43% makes qualifying for most loans difficult. Aim to keep your DTI under 36% for the best loan terms.

What's included in DTI calculation?

Include all monthly debt payments: mortgage/rent, car loans, student loans, credit card minimums, personal loans, child support, and alimony. Don't include utilities, insurance, groceries, or other living expenses.

How can I lower my DTI?

Pay down existing debts, avoid taking on new debt, increase your income, or restructure debts with lower payments. Even small reductions in DTI can improve your loan terms significantly.