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Debt-to-Income (DTI) Calculator

Calculate your DTI ratio and see how lenders may view it.

🌐 Uses API
Also try:Debt Payoff Calculator·Home Affordability Calculator·Mortgage Calculator

All calculations are done locally in your browser.

Frequently asked questions

What is DTI (Debt-to-Income)?

DTI is your monthly debt payments divided by your gross monthly income. Lenders use it to gauge affordability.

What is a good DTI ratio?

Many lenders prefer DTI under 36%, while some mortgage programs allow up to ~43–50% depending on credit, reserves, and product.

How can I improve my DTI?

Reduce debt balances, consolidate at lower rates, or increase income. You can also explore affordability with our Home Affordability Calculator.

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Try the Home Affordability Calculator, Mortgage Calculator, and Debt Payoff Calculator to plan next steps.

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Frequently asked questions

How do I calculate my debt-to-income ratio?
DTI = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100. Include: housing costs, car payments, student loans, minimum credit card payments, personal loans, and alimony/child support. Don\\
What DTI ratio do lenders require?
Conventional loans typically require under 43-45% back-end DTI. FHA allows up to 50-57% with compensating factors. VA has no DTI cap but prefers under 41%. Lower DTI gets better rates and easier approval. Aim for under 36% for the best terms.
How can I lower my DTI ratio?
Reduce debts: pay off small balances, don\\
Does DTI affect my mortgage rate?
Yes, indirectly. Higher DTI means higher risk, potentially leading to higher rates or denial. DTI above 40% may require compensating factors (larger down payment, cash reserves, excellent credit). Better DTI = better rates and more loan options.
What is front-end vs. back-end DTI?
Front-end DTI includes only housing costs (mortgage, taxes, insurance, HOA) - typically limited to 28-31%. Back-end DTI includes housing PLUS all other debts - typically limited to 43-50%. Most lenders emphasize back-end DTI, but both matter for qualification.

About This Tool

Calculate your DTI ratio and see how lenders may view it.

Key Benefits

How This Tool Works

  1. 1Enter your information in the input fields above
  2. 2Results calculate automatically in real-time
  3. 3Copy, share, or download your results as needed
  4. 4All processing happens locally in your browser for privacy

When to Use This Tool

Pro Tip:

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Related topics: DTI, debt-to-income, debt to income ratio, mortgage dti, lender dti

Related tools

  • Debt Payoff Calculator

    Compare avalanche vs snowball strategies to get debt-free.

    finance

  • Home Affordability Calculator

    Estimate how much house you can afford by region.

    finance
  • Offline

    Mortgage Calculator

    Estimate mortgage payments & total interest.

    finance

  • Mortgage Tools Hub

    Explore mortgage calculators: payments, refinance, PMI, points, recast, and more.

    finance

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Most processing happens locally in your browser for speed & privacy. Network calls occur only for live rates or updates.

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Track your past calculations and visualize patterns.

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Compare multiple inputs side-by-side.

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Premium feature

Historical analysis & trends

Track your past calculations and visualize patterns.

Calculation presets

Save, load, and manage your favorite calculation setups.

No presets saved yet.

Scenario planning

Compare multiple inputs side-by-side.

Batch processing

Upload a CSV to compute results in bulk.

Custom formulas

Create and reuse your own rules.

External data

Connect Google Sheets or an API as inputs.

By paying you agree to our Terms & Conditions • Privacy Policy • Shipping Policy • Cancellation & Refunds