Debt To Income Ratio Calculator
Calculate your debt-to-income ratio from monthly debt payments and gross income.
Monthly Income
Housing Expenses (PITI)
Other Monthly Debts
DTI Ratio Guidelines
Front-End DTI Ratio
Housing costs only - Concerning
Back-End DTI Ratio
All debt payments - Poor
Total Monthly Debt
All debt payments
Available Income
After debt payments
Housing Debt
PITI payments
Non-Housing Debt
Other debt payments
Excess Debt
Above recommended 36% ratio
Estimated Credit Impact
Based on DTI ratio
How it works
Your debt-to-income (DTI) ratio is the share of your gross monthly income that goes to debt payments. Lenders use it to judge whether you can take on more — a lower DTI signals more borrowing room and usually wins better terms.
Debt-to-income ratio
DTI = (total monthly debt payments ÷ gross monthly income) × 100
- debt payments
- mortgage/rent, loans, minimum card payments
- gross income
- monthly income before tax
Worked example
- Monthly debt payments = $2,000
- Gross monthly income = $6,000
- DTI = (2,000 ÷ 6,000) × 100
DTI = 33% — within the range most lenders prefer.
Good to know
- Most mortgage lenders look for a back-end DTI of 36% or less, though some programs allow up to ~43–50%.
- DTI uses gross (pre-tax) income and only required minimum debt payments — not utilities or groceries.
- Lower it by paying down balances or raising income before applying for a big loan.
Verwandte Rechner
Häufig gestellte Fragen
What is a debt-to-income (DTI) ratio?
The share of your gross monthly income that goes to debt payments: DTI = (total monthly debt payments ÷ gross monthly income) × 100. Paying $2,000 of debts on $6,000 of gross income is a 33% DTI.
What DTI do mortgage lenders want?
Most prefer a back-end DTI of 36% or less, though many conventional loans allow up to 43-50% with strong compensating factors. Lower DTI generally unlocks better rates and larger approvals.
What counts as debt in the calculation?
Required minimum payments: rent or mortgage, auto loans, student loans, credit card minimums, personal loans, and obligations like child support. Utilities, groceries, insurance, and other living costs do not count, and income is gross — before taxes.
What is the difference between front-end and back-end DTI?
Front-end counts only housing costs (mortgage payment, property tax, insurance) against income; back-end counts all monthly debt obligations. A common benchmark pair is 28% front-end and 36% back-end.
How can I lower my DTI before applying for a loan?
Pay down balances — especially small loans you can eliminate entirely, which removes their whole payment — avoid new debt, and increase documented income. Even a few points of DTI improvement can change your rate tier or approval.