Debt-to-Income Ratio Calculator
Lenders live by your debt-to-income ratio. Enter your income and debts to see your front- and back-end DTI against the limits that decide loan approvals.
How you compare to other people
Where you land
Tools to lower your DTI before applying
Learn moreFront-end vs back-end
Front-end DTI is just your housing payment as a share of income; back-end DTI adds all other debt. Lenders weigh the back-end number most: under 36% is strong, and most qualified mortgages cap it around 43%. A lower DTI means better approval odds and rates.
How it’s calculated & sources
Front-end = housing payment ÷ gross monthly income. Back-end = (housing + other debt payments) ÷ gross income. The room figure shows how much more monthly debt fits under the 43% line.
Benchmark: lenders favor back-end DTI ≤ 36%; the qualified-mortgage rule generally caps it at 43% (CFPB).
Results update as you type and are general estimates, not personalized financial, tax, medical or legal advice. Verify with a professional.
Worked example
On $7,000/month income with $1,800 housing and $700 other debt, back-end DTI is 36% — right at the strong threshold, with about $510/month of room before 43%.
Frequently asked questions
Which debts count?
Recurring monthly obligations — housing, car, student and personal loans, credit-card minimums, child support. Utilities and groceries don’t count.
How do I lower my DTI?
Pay down or pay off small loans, avoid new debt before applying, and raise income. Even closing one car loan can move the needle.