Debt-to-Income (DTI) Ratio Calculator

Calculate your debt-to-income ratio for mortgage qualification. Check front-end and back-end DTI against FHA, VA, and conventional loan thresholds.

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Back-End DTI Ratio
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Front-End DTI (Housing) —
Total Monthly Debt —
Qualification Status —
Extended More scenarios, charts & detailed breakdown ▾
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DTI Ratio
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Max Debt at 43% DTI —
Remaining Borrowing Capacity —
Status —
Professional Full parameters & maximum detail ▾
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Combined Monthly Income
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Front-End DTI (PITI) —
Back-End DTI —
Conventional (28/36) —
FHA (31/43) —
VA (41% back-end) —
DTI After Consolidation —
Remaining Monthly Debt Capacity (43%) —

How to Use This Calculator

  1. Enter your Gross Monthly Income (before taxes).
  2. Enter all monthly debt payments: mortgage/rent, car, student loans, credit cards, and other debts.
  3. View your Back-End DTI and qualification status.
  4. Use the Mortgage Qualification tab to find the maximum mortgage you can qualify for.
  5. Use the Professional tab for co-borrower income and loan-type-specific thresholds.

Formula

Back-End DTI = Total Monthly Debt Payments ÷ Gross Monthly Income × 100
Front-End DTI = Monthly Housing Costs ÷ Gross Monthly Income × 100
Max Mortgage Payment = (Income × DTI Limit) − Existing Debts

Example

Example: Monthly gross income = $6,000. Debts: mortgage $1,400, car $400, student loans $200, credit cards $150 = $2,150 total. DTI = $2,150 ÷ $6,000 = 35.8%. This is below the 36% threshold — good for conventional loans.

Frequently Asked Questions

  • Below 36% is considered good for most lenders. 36–43% is acceptable for many loan programs. Above 43% may disqualify you from conventional loans, though FHA and VA loans allow higher ratios in some cases.
  • Front-end DTI (housing ratio) includes only housing costs (mortgage, taxes, insurance). Back-end DTI includes all monthly debt obligations. Most lenders focus on back-end DTI for loan qualification.
  • The 28/36 rule says housing costs should not exceed 28% of gross monthly income, and total debt should not exceed 36%. This is the conservative conventional lending standard.
  • Yes. A co-borrower's income is added to yours for DTI calculation, which can significantly reduce your ratio and improve loan qualification, especially for first-time buyers.

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Sources & References (5) ▾
  1. CFPB — What is a debt-to-income ratio? — Consumer Financial Protection Bureau
  2. Fannie Mae — Debt-to-Income Ratio Requirements — Fannie Mae
  3. Federal Reserve — Household Debt and Credit Report — Federal Reserve Bank of New York
  4. CFPB — Qualified Mortgage Rule (Ability to Repay) — Consumer Financial Protection Bureau
  5. HUD — FHA Debt-to-Income Guidelines — U.S. Department of Housing and Urban Development