Debt-to-Income Ratio Calculator

Calculate your debt-to-income ratio (DTI) to understand your debt burden and assess your eligibility for loans and mortgages.

Monthly Income

$
Total before-tax income
$
After-tax income

Monthly Debt Payments

$
$
$
$
$
$
Child support, alimony, etc.

Your Debt-to-Income Ratio

Front-End DTI 0% Housing only
Back-End DTI 0% All debt payments
Total Monthly Debt $0
Income Left Over $0

DTI Assessment

0% 20% 36% 43% 50%+
Excellent

Your DTI is in a healthy range.

Lender Guidelines

DTI Range Rating Loan Eligibility
0% - 20% Excellent Best rates, high approval odds
20% - 36% Good Favorable rates, likely approval
36% - 43% Fair May need compensating factors
43% - 50% Poor Limited options, higher rates
Over 50% High Risk Very difficult to qualify

What is Debt-to-Income Ratio?

DTI measures the percentage of your monthly income that goes toward debt payments. Lenders use it to assess your ability to manage monthly payments and repay borrowed money.

  • Front-End DTI: Housing costs ÷ Gross income
  • Back-End DTI: All debt payments ÷ Gross income

How to Improve Your DTI

  • Pay down existing debt
  • Increase your income
  • Avoid taking on new debt
  • Refinance to lower monthly payments
  • Consolidate high-interest debt

Frequently Asked Questions

Conventional loans typically require a back-end DTI of 43% or less, though some lenders allow up to 50% with compensating factors. FHA loans may allow up to 50% DTI. Lower DTI ratios result in better interest rates.

Yes, rent is included in DTI calculations. For mortgage applications, lenders look at your current housing payment (rent or existing mortgage) to assess your ability to handle a new mortgage payment.

No, standard DTI calculations don't include utilities, insurance (except mortgage insurance), groceries, or other living expenses. Only debt obligations with fixed monthly payments are included.