Debt-to-Income Ratio Calculator

Calculate your DTI ratio to understand how lenders view your financial health. Most mortgage lenders require a DTI below 43%.

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Monthly Debt Payments

$
$
$
$
$

Your Debt-to-Income Ratio

40.0%

Acceptable

This is the maximum DTI most lenders will accept for a qualified mortgage.

0%36%43%50%+

Total Monthly Debt

$2,400

Front-End DTI

25.0%

Remaining Budget

$3,600

What Is Debt-to-Income Ratio?

Your debt-to-income (DTI) ratio compares your total monthly debt payments to your gross monthly income. Lenders use this number to evaluate your ability to manage monthly payments and repay borrowed money.

DTI Ratio Guidelines

  • 36% or less – Excellent. You're well-positioned for most loans
  • 37% - 43% – Acceptable. Maximum for most qualified mortgages
  • 44% - 50% – High. May need to reduce debt or increase income
  • 50%+ – Very high. Focus on debt reduction

Front-End vs Back-End DTI

Front-end DTI only includes housing costs (mortgage/rent, property tax, insurance). Most lenders want this below 28%. Back-end DTI includes all monthly debt obligations and should be below 36-43%.