Debt-to-Income Ratio Calculator — Calculate Your DTI

Total Monthly Debt Payments ($)Mortgage/rent, car loans, credit cards, student loans, etc.Enter a valid amount.

Gross Monthly Income ($)Enter a valid income greater than 0.

Your Debt-to-Income Ratio

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How to Use This Tool

Add up all your monthly debt payments — rent/mortgage, car loans, credit cards, student loans, etc.
Enter your gross (pre-tax) monthly income.
Click Calculate DTI to see your ratio and how it compares to common lending thresholds.

The Debt-to-Income Ratio Formula

DTI Ratio = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100

Why Lenders Use DTI

DTI is one of the most important factors lenders consider when evaluating mortgage and loan applications, since it directly measures how much of your income is already committed to debt obligations — a lower DTI suggests more capacity to take on and repay new debt.

Common DTI Thresholds

36% or below: Generally considered a healthy ratio by most lenders
36% to 43%: Near or at the typical maximum for many conventional mortgage programs
Above 43%: May limit your loan options, though some programs (like certain FHA loans) allow higher ratios with compensating factors

Front-End vs. Back-End DTI

Lenders sometimes distinguish between "front-end DTI" (housing costs only) and "back-end DTI" (all debt payments, which this calculator computes) — back-end DTI is the more comprehensive and commonly cited figure for overall loan qualification.

Frequently Asked Questions

What DTI ratio do I need to qualify for a mortgage?

This varies by loan program and lender, but many conventional loans prefer a DTI at or below 36-43%, while some government-backed programs (like FHA) may allow higher ratios with strong compensating factors like excellent credit or large cash reserves.

Should I use gross or net income for this calculation?

Use gross (pre-tax) monthly income — this is the standard convention lenders use when calculating DTI ratios.

This calculator is provided for general informational and estimation purposes only. Results should not be treated as professional financial, tax, legal, medical, or engineering advice. Always verify critical calculations with a qualified professional or official source before making decisions.