Debt-to-Income Ratio Calculator
Calculate your debt-to-income (DTI) ratio for mortgage qualification. Include all monthly debt payments and gross income to see if you meet lender requirements.
How to Use This Calculator
- Add your income sources - Salary, freelance, investments, rental income, etc.
- Enter your monthly debts - Housing costs, car loans, credit cards, student loans, etc.
- Add assets (optional) - For net worth analysis and planning insights
- Review your DTI analysis - See front-end and back-end ratios with lender guidelines
- Click Calculate DTI to see your complete debt-to-income analysis
💵 Income Sources
Include all sources of monthly gross income (before taxes). Lenders typically use gross income for DTI calculations.
🏠 Housing Costs (Front-End DTI)
Your monthly housing payment including mortgage/rent, property tax, insurance, HOA, and PMI. These determine your front-end DTI ratio.
💳 Other Monthly Debts (Back-End DTI)
Include all recurring debt payments: car loans, student loans, credit cards (minimum payment), personal loans, child support, etc.
📈 Assets & Investments (Optional)
Adding assets helps calculate your debt-to-asset ratio and provides planning insights. This doesn't affect your DTI calculation.
🎯 Planning: Proposed New Debt (Optional)
Planning to take on new debt? Add proposed payments to see how they would affect your DTI ratio before applying.
📊 Understanding Debt-to-Income Ratio
Your debt-to-income (DTI) ratio compares your monthly debt payments to your gross monthly income. Lenders use this to assess your ability to manage monthly payments and repay debts.
- Front-End DTI: Housing costs ÷ Gross Income (recommended ≤ 28%)
- Back-End DTI: All debts ÷ Gross Income (recommended ≤ 36%)
✅ DTI Guidelines by Loan Type
- Conventional Loans: 28% front-end / 36% back-end (ideal), up to 43-50% with compensating factors
- FHA Loans: 31% front-end / 43% back-end (standard), up to 50% with strong credit
- VA Loans: No front-end limit / 41% back-end preferred
- USDA Loans: 29% front-end / 41% back-end
- Jumbo Loans: 36-43% back-end (stricter requirements)
💡 What Counts as Debt?
Include in your DTI calculation:
- Mortgage or rent payments
- Car loans and leases
- Student loan payments
- Credit card minimum payments
- Personal loans
- Child support/alimony
- Other recurring debt obligations
NOT typically included:
- Utilities and phone bills
- Health insurance premiums
- Groceries and living expenses
- Income taxes (already deducted from gross)
📈 Tips to Improve Your DTI
- Pay down existing debt: Focus on high-interest credit cards first
- Increase income: Side hustles, raises, or additional employment
- Avoid new debt: Don't open new credit accounts before applying for loans
- Lower housing costs: Consider a smaller home or larger down payment
- Refinance existing loans: Lower rates can reduce monthly payments
🔗 Save & Share Your DTI Calculation
Your calculation is automatically saved in the URL. You can bookmark this page to save your DTI analysis, or use the Share button to copy the link. All income and debt values will be restored when you return.