Finance

DTI Calculator (Debt-to-Income Ratio)

Calculate your front-end and back-end DTI ratios used by lenders for mortgage qualification.

Gross Monthly Income ($)

Housing Costs (Front-End)

Mortgage/Rent ($/mo)

Property Tax + Insurance ($/mo)

Other Debts (Back-End)

Car Payment ($/mo)

Student Loans ($/mo)

Credit Card Min Payments ($/mo)

Other Debts ($/mo)

Formula:
Front-End DTI = Housing Costs / Gross Income × 100
Back-End DTI = All Debts / Gross Income × 100
Conventional: Front ≤ 28%, Back ≤ 36%
FHA: Front ≤ 31%, Back ≤ 43%

Why DTI Matters

DTI is one of the most important metrics lenders use to approve mortgages. A lower DTI means you have more income available after debt payments, reducing the risk of default.