Debt-to-Income Ratio Calculator
The DTI number lenders check before approving you.
Enter your values
ⓘ Live results
Results
- Back-end DTI
- 40.8%
- Front-end (housing) DTI
- 30%
- Lender view
- Acceptable to most lenders
- Room before 43%
- $130.00 of extra monthly debt
Quick answer
Debt-to-income ratio is total monthly debt payments divided by gross monthly income; most mortgage lenders want 43% or less.
DTI = monthly debt payments ÷ gross monthly income × 100
How to use the Debt-to-Income Ratio Calculator
- 1Enter gross (pre-tax) monthly income.
- 2Add your housing payment.
- 3Add all other minimum debt payments to get the DTI.
Worked example
Using the values the calculator loads with:
Inputs
- Gross monthly income6000 $
- Rent or mortgage1800 $
- Other monthly debt payments650 $
Results
- Back-end DTI40.8%
- Front-end (housing) DTI30%
- Lender viewAcceptable to most lenders
- Room before 43%$130.00 of extra monthly debt
Frequently asked questions
What DTI do mortgage lenders want?
Conventional loans usually cap around 43%, though strong credit and reserves can stretch it to 50% on some programs.
Do utilities count?
No. DTI counts debt payments only — loans, credit card minimums, child support and alimony. Utilities and groceries are excluded.
About this calculator
- Built and reviewed by James Whitfield · How we build and test calculators
- Report an error
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.