Calculate your debt-to-income ratio (DTI) for mortgage and loan eligibility. Check front-end and back-end DTI. Free DTI calculator.
Your total pre-tax monthly income
Rent or mortgage (PITI). Use 0 if you don't have housing cost yet.
All other monthly debt payments combined
This tool is for informational purposes only. It is not legal, tax, or financial advice. Results are estimates; actual figures may vary. For decisions involving loans, taxes, or investments, please consult a qualified professional.
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Your debt-to-income ratio (DTI) is one of the key numbers lenders use to decide whether you qualify for a mortgage, auto loan, or personal loan. Our free debt-to-income calculator lets you enter your gross monthly income and all monthly debt payments to get your front-end and back-end DTI in seconds. No sign-up required. Use it before you apply to see where you stand and what you might need to improve. For monthly payment estimates, use our mortgage calculator or loan calculator.
Debt-to-income ratio is your total monthly debt payments divided by your gross (before-tax) monthly income, expressed as a percentage. For example, if your gross income is $6,000 and you pay $1,800 per month toward debts (housing, car, credit cards, student loans), your DTI is 1,800 / 6,000 = 30%. Lenders use DTI to gauge whether you can afford new debt. Lower DTI usually means better approval odds and sometimes better rates. In the US, many conventional loans prefer a back-end DTI of 36% or below; some programs allow up to 43% or higher under certain conditions.
Lenders often look at two DTI numbers. Front-end DTI (housing ratio) uses only your housing payment—principal, interest, property taxes, insurance, and HOA if applicable—divided by gross monthly income. It answers: what share of income goes to housing? Many guidelines cap this at 28%. Back-end DTI uses all recurring monthly debt: housing plus auto loans, credit card minimums, student loans, personal loans, child support, and other obligations, divided by gross income. This is the number most people mean when they say "DTI." Our calculator shows both so you can see how lenders may view your application. For a new mortgage, the future housing payment is included in both ratios when the lender estimates it.
There is no single "good" DTI for everyone, but common benchmarks are: back-end DTI under 36% is often considered strong; 36% to 43% may still qualify for many loans; above 43% can make approval harder or require compensating factors. Front-end housing ratio under 28% is typical for conventional mortgages. FHA and other programs may allow higher DTI with other strong factors. Our debt-to-income calculator does not replace a lender's decision, but it helps you see whether you are in a typical range and where you might improve (e.g. paying down a car loan or credit card) before applying. Use our budget calculator to plan debt payoff.
Formula: DTI = (Total monthly debt payments / Gross monthly income) × 100. Include all recurring debt: rent or mortgage, auto loans, student loans, credit card minimum payments, personal loans, and other fixed payments. Use gross (pre-tax) income, not take-home pay. If you have a partner and apply together, use combined income and combined debts. Our calculator does this for you: enter gross monthly income, housing payment, and other monthly debts; it computes front-end ratio (housing only) and back-end ratio (all debts) and shows whether you are under common 28% / 36% or 43% thresholds.
Include any payment that appears on your credit report or that you pay every month: mortgage or rent, second mortgage, auto loans, student loans, credit card minimums, personal loans, store cards, and other installment debt. Do not include utilities, insurance (unless in escrow), groceries, or discretionary spending. If you are estimating a future mortgage, use the expected principal and interest plus taxes and insurance (PITI). Our tool asks for housing payment and "other" debts so you can separate front-end and back-end easily.
To lower DTI you can (1) increase income, (2) reduce debt, or (3) both. Paying off a car loan or credit card removes that monthly payment from the denominator and lowers DTI. Refinancing to a lower payment can help too, but avoid extending terms too long if the goal is to free up income for a new loan. Do not take on new debt right before applying for a mortgage. Use our credit card payoff calculator or loan calculator to see how paying off or paying down debt changes your monthly obligations and thus your DTI.
Gross monthly income: $7,000. Housing payment (PITI): $1,800. Other debts: car $400, student loan $300, credit cards $150. Front-end DTI = 1,800 / 7,000 = 25.7%. Back-end DTI = (1,800 + 400 + 300 + 150) / 7,000 = 2,650 / 7,000 = 37.9%. This person is under 28% on housing but a bit over 36% on total debt; paying off the $150 credit card minimum (or the card) would drop back-end to about 35.7%. Enter these numbers into our debt-to-income calculator to confirm and experiment with different scenarios.
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Your debt-to-income ratio is a key factor in loan and mortgage eligibility. Our free debt-to-income calculator computes front-end and back-end DTI from your gross monthly income and debt payments, so you can see where you stand before you apply. Use it together with our mortgage and loan calculators to plan your next steps. This tool is for education and estimation; actual approval and terms depend on the lender and your full profile.
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Debt-to-income ratio is your monthly debt payments divided by your gross monthly income, expressed as a percentage. Lenders use it to assess your ability to repay a loan. For example, if your gross income is $5,000 and your total monthly debts are $1,500, your DTI is 30%. Lower DTI generally means better loan eligibility and rates.
Many lenders prefer a back-end DTI of 36% or below; some allow up to 43% for qualified mortgages. Front-end ratio (housing only) is often capped at 28%. Keeping DTI under 36% improves your chances of approval and better rates. Our calculator shows both front-end and back-end ratios so you can see where you stand.
Front-end DTI is your monthly housing payment (principal, interest, taxes, insurance, HOA) divided by gross monthly income. Back-end DTI includes all monthly debt obligations—housing plus auto loans, credit cards, student loans, and other recurring debt—divided by gross income. Lenders typically look at both when evaluating mortgage applications.
You can lower DTI by increasing income, paying off existing debt, or both. Paying down credit card balances or other loans reduces monthly payments and thus your DTI. Avoid taking on new debt before applying for a mortgage. Use our loan calculator to see how paying off a loan affects your monthly obligations.