Debt-to-Income Calculator
Check your debt-to-income ratio the way lenders do, before you apply. See both your front-end and back-end DTI and how they compare to common loan program thresholds.
Results update automatically
Want to see what rate this DTI actually qualifies for?
Get a Rate QuoteFront-End vs Back-End DTI
Lenders calculate two DTI ratios. Front-end DTI is your proposed housing payment divided by your gross monthly income. Back-end DTI is your total monthly debts, including the new housing payment, divided by your gross monthly income. Back-end DTI is the number that matters most for qualifying, since it captures your full debt picture.
How to Use This Calculator
- Other Monthly Debts — include car payments, student loans, minimum credit card payments, and any other recurring debt obligations. Don't include utilities, groceries, or other living expenses; lenders don't count those toward DTI.
Frequently Asked Questions
What's a good DTI ratio for a mortgage?
Most conventional loans want a back-end DTI at or below 45-50%, though this varies by lender and compensating factors like credit score and reserves. FHA and VA loans can sometimes accommodate higher ratios.
What counts as debt for DTI purposes?
Recurring obligations that show up on your credit report — car loans, student loans, credit card minimum payments, personal loans, and child support or alimony if applicable. Utility bills and everyday expenses don't count.
Can I lower my DTI before applying?
Yes — paying down credit card balances, paying off a small loan entirely, or increasing your income are the most direct ways to improve your DTI before applying for a mortgage.
