Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio from monthly debt payments and income. See how lenders view your DTI. Free tool.
Frequently asked questions
- What is a good DTI ratio?
- Under 36% is comfortable, 36-43% is the usual maximum for qualified mortgages, and above 43% most lenders decline.
- Which payments count as debt?
- Housing, car loans, student loans, credit card minimums, child support and any other recurring obligation - not utilities or groceries.
- What is the difference between front-end and back-end?
- Front-end counts housing costs only, back-end counts all debt payments. Lenders check both, often with a 28/36 guideline.
- Does income before or after tax count?
- Use gross (pre-tax) monthly income, which is what mortgage lenders use.
This tool runs entirely in your browser. No data is uploaded anywhere.