All calculatorsDebt-to-Income Calculator
The number lenders quietly obsess over.
DTI is debts divided by income. The lower, the better. We'll show you both your front-end (housing only) and back-end (everything) ratio, plus where you land on the spectrum.
Your monthly numbers
Before taxes
$
Mortgage / rent + taxes + insurance + HOA
$
$
$
$
$
Front-end DTI
28.2%
Housing ÷ income
Back-end DTI
39.4%
All debts ÷ income
Total monthly debt
$3,350
Where you stand
Healthy
Most conventional loans cap DTI here. You're in the qualifying range.
Housing$2,400
Car loans$450
Credit cards$180
Student loans$320
Quick reference
≤ 36%
Strong
Sweet spot for most lenders
37–43%
Healthy
Standard conventional cap
44–50%
Stretched
Some programs still work
> 50%
Tight
Let's build a plan
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