Debt-to-Income Ratio Calculator
Calculate your front-end and back-end DTI ratio to see if you qualify for a mortgage or loan.
Debt-to-Income Ratio Calculator
Find out if you qualify for a mortgage or loan. Lenders use DTI to assess your ability to repay.
💰Monthly Gross Income
Enter your gross (pre-tax) monthly income from all sources
📋Monthly Debt Payments
📊Your DTI Results
You're in great shape. Most lenders will approve you easily.
🏦Loan Type DTI Limits
📉How to Lower Your DTI Ratio
Pay Down High-Interest Debt
Focus on credit cards first — they have the highest rates and their minimum payments are included in DTI.
Avoid New Debt
Don't take on new loans or open new credit cards before applying for a mortgage. Each new debt raises your DTI.
Increase Your Income
Side income, freelancing, or a raise all lower your DTI. Lenders count documented income from all sources.
Consider a Smaller Mortgage
A lower purchase price or larger down payment reduces your monthly mortgage payment and front-end DTI.
Refinance Existing Loans
Refinancing to lower rates or longer terms reduces monthly payments, improving your back-end DTI.
Pay Off Small Balances
Eliminating a small debt completely removes that monthly payment from your DTI calculation entirely.
ℹ️What is Debt-to-Income Ratio?
Your debt-to-income (DTI) ratio is the percentage of your monthly gross income that goes toward paying debts. Lenders use it as a key measure of your ability to manage monthly payments and repay borrowed money.
Includes mortgage/rent, property taxes, homeowner's insurance, and HOA fees. Lenders prefer <28%.
All housing costs plus car loans, student loans, credit cards, and other recurring debts. Lenders prefer <36%.