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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.

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Back-end DTI
Front-end (housing) DTI
vs lender limits
Room before 43%

How you compare to other people

Where you land

Tools to lower your DTI before applying

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Front-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.