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Debt-to-Income (DTI) Calculator
Your debt-to-income ratio is one of the most important factors lenders use to qualify you for a mortgage. Enter your income and debts to see where you stand.
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How This Calculator Works
Front-end DTI measures housing costs as a percentage of gross income. Back-end DTI includes all monthly debts. Lenders typically prefer front-end below 28% and back-end below 36%.
Formula: Front-End DTI = Housing Payment ÷ Gross Monthly Income × 100. Back-End DTI = All Monthly Debts ÷ Gross Monthly Income × 100.
Assumptions & Limitations
- • Uses gross (pre-tax) monthly income.
- • Includes minimum payments only, not full credit card balances.
- • Standard guidelines: front-end ≤ 28%, back-end ≤ 36%. FHA may accept up to 43%–50%.