Debt-to-Income Ratio Calculator

Your details

Income before tax and deductions. Use the toggle to enter it monthly or yearly.
Annual income is divided by 12 to get a monthly figure.
Rent, or your full mortgage payment including property tax, homeowner insurance and HOA dues. This is the front-end (housing) figure.
Total of all car loan or lease payments.
The minimum required payments on your credit cards, not the full balance.
Required monthly student loan payments.
Any other required monthly payments. Leave out groceries, utilities, fuel and subscriptions, those are not debt.
Currency
Back-end DTI (all debt)Healthy
30%
Front-end DTI (housing only)24%
Total monthly debt payments$1,500
Gross monthly income$5,000
Income left after debt$3,500
Room before 36% (conventional)$300
Room before 43% (qualified mortgage)$650
30% %
Healthy<36Manageable36-43Stretched43-50High50+

Your back-end DTI is 30%, comfortable territory that most lenders like to see.

  • Front-end (housing) DTI is 24%; lenders usually want this at or below 28%.
  • Back-end DTI counts all debt; conventional loans target 36%, and qualified mortgages cap at 43%.
  • DTI uses gross (pre-tax) income, so the share of your take-home pay going to debt is actually higher.
  • You could add about 300 a month in payments before hitting the 36% mark.

Next stepPay off a small balance or raise income, then recalculate to watch the ratio fall.

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