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Debt-to-Income Ratio Calculator

The DTI ratio lenders check before approving you.

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Housing cost

Other debt payments

DebtMonthly paymentBalance

Only recurring payments on borrowed money count. Utilities, groceries, insurance premiums and subscriptions do not.

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Best debt to clear first

DTI counts payments, not balances, so the fastest improvement comes from the debt with the largest payment relative to what you owe.

DebtPaymentDTI removed

Back-end DTI

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Front-end (housing)—
Total income—
Housing cost—
Other debts—
All debt payments—

Where you sit

Under 36% — comfortable, accepted everywhere

36% to 43% — acceptable to most mortgage lenders

43% to 50% — needs compensating factors

Over 50% — most lenders will decline

Quick Tool Overview

The Debt-to-Income Ratio Calculator produces both ratios lenders underwrite to: the front-end covering housing alone and the back-end covering every debt payment. It also ranks your debts by payment relative to balance, which is the fastest lever on the ratio.

What it does
Calculates your front-end and back-end DTI ratios
You give it
Gross monthly income and each recurring debt payment
You get back
Both ratios, the lender band you fall into and what would improve it
Best for
Checking where you stand before a mortgage application
Calculators Free, unlimited use No sign-up Runs in your browser

About the Debt-to-Income Ratio Calculator

Enter your gross monthly income and each of your recurring debt payments to get both ratios lenders use: the front-end ratio covering housing costs alone, and the back-end ratio covering every debt payment you make.

DTI is the single number that most often decides a mortgage application, and it is calculated on payments rather than balances. That distinction matters: a large student loan on a low payment may hurt less than a small car loan on a high one. It also means the fastest way to improve your ratio is usually to clear whichever debt has the highest payment relative to its balance, not the largest debt. The calculator ranks your debts by that measure so the lever is obvious.

Key features of the Debt-to-Income Ratio Calculator

Both ratios calculated

Housing alone and total debt, because lenders apply limits to each separately.

Lender bands shown

Where 36, 43 and 50 percent sit, and which side of them your ratio falls.

Payments, not balances

DTI counts monthly payments, so a large loan with a small payment can hurt less than a small one with a large payment.

Best debt to clear identified

Debts ranked by payment relative to balance, which is the fastest way to move the ratio.

What counts and what does not

Utilities, groceries and insurance are excluded, matching how lenders actually calculate it.

How to use the Debt-to-Income Ratio Calculator

  1. 1

    Enter gross monthly income

    Before tax, including any co-borrower income the lender would count.

  2. 2

    Enter your housing cost

    Rent, or mortgage principal, interest, tax, insurance and HOA dues.

  3. 3

    Add every other debt payment

    Car, student, personal loans and credit card minimums. Not utilities, food or insurance.

  4. 4

    Read both ratios

    Front-end for housing alone, back-end for everything, each against the usual lender limits.

Frequently asked questions

Under 36 percent is comfortable and widely accepted. Many mortgage programmes allow up to 43 percent, and some go to 50 percent with compensating factors, but the rate and terms usually worsen as it rises.

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