Debt-to-Income (DTI) Ratio Calculator

Lenders use your DTI to approve mortgages and loans. Calculate yours and see where you stand.

Monthly Income

Gross Monthly Income ($) Before taxes, all sources

Monthly Debt Payments

Proposed Housing (mortgage/rent) ($)

Car Loan ($)

Student Loans ($)

Credit Cards (min payment) ($)

Other Debt Payments ($)

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Back-End DTI Ratio

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Front-End DTI

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Housing only

Back-End DTI

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All debts

Total Monthly Debt

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Remaining Income

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DTI Benchmarks (Mortgage)

DTI Range	Status	Loan Eligibility
Below 36%	Excellent	Most lenders approve easily
36% – 43%	Good	Conventional mortgage likely
43% – 50%	Caution	FHA loan possible, harder approval
Above 50%	High	Difficult to get approved