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DTI Calculator: Check Your Debt-to-Income Ratio

Calculate front-end and back-end debt-to-income ratios, estimate qualification status, and see the maximum principal-and-interest payment that may fit your selected DTI limits.

DTI Calculator

Front 28% · Back 43%

Gross Income

Income type

Income amount

Co-borrower gross monthly income Optional monthly income

Proposed Housing Payment

Principal & Interest

Property tax (monthly)

Homeowner's insurance

HOA fees

PMI / MI

Monthly Debt Obligations

Car loan(s)

Credit card minimums

Student loans

Personal loans

Child support / alimony

Other monthly debts

DTI Limits & Loan Parameters

Max front-end DTI (%)

Max back-end DTI (%)

Loan type preset

Interest rate for max loan (%)

Loan term

Back-end DTI (Total)

0%

Front-end DTI

0%

Max qualifying loan (P&I)

$0

DTI verdict

—

DTI Breakdown

Gross monthly income$0

Co-borrower income$0

Principal & Interest$0

Property tax$0

Insurance + HOA + PMI$0

Total housing (PITI)$0

Car loan(s)$0

Credit cards$0

Student + personal + other$0

Total monthly debts$0

Front-end DTI0%

Back-end DTI0%

What Is Debt-to-Income Ratio (DTI)?

Debt-to-income ratio compares monthly debt payments with gross monthly income. Lenders use front-end and back-end DTI to assess whether a proposed housing payment may fit within underwriting guidelines.

Two Types of DTI

Front-End DTI

Includes principal, interest, property tax, insurance, HOA, and mortgage insurance.

Back-End DTI

Includes housing plus car loans, student loans, credit cards, support, and other recurring debts.

FHA DTI Limits

FHA underwriting may allow higher ratios when compensating factors are present.

VA DTI Guidelines

VA lending commonly considers residual income and overall borrower strength in addition to DTI.

How to Calculate Your DTI

Enter Your Monthly Figures

Gross Monthly Income: Income before taxes and deductions.
Housing Costs: Principal, interest, taxes, insurance, HOA, and PMI.
Car Payments: Monthly auto loan or lease payments.
Student Loans: Monthly required student-loan payments.
Credit Card Minimums: Required monthly minimums.
Other Debts: Personal loans, support obligations, and recurring debts.

The DTI Formula

DTI = (Total Monthly Debts ÷ Gross Monthly Income) × 100

How to Improve Your DTI

Reduce high-payment debts, avoid taking on new obligations, increase documented income where possible, and compare a lower proposed housing payment. A stronger DTI can improve qualification options, but lenders also review credit, reserves, loan type, and property details.