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Debt-to-Income Ratio (DTI) Calculator
Calculate your debt-to-income ratio to determine mortgage qualification and loan approval likelihood. Our DTI calculator helps you understand both front-end and back-end ratios that lenders evaluate.
DTI Ratio Types:
Front-End DTI (Housing Ratio)
Monthly housing costs ÷ gross monthly income
Includes: Mortgage, taxes, insurance, HOA
Back-End DTI (Total Debt Ratio)
All monthly debt payments ÷ gross monthly income
Includes: Housing + credit cards + loans + alimony
Monthly Income
$
Monthly Debts
$
Other Monthly Debt Payments
$
$
$
$
Your DTI Ratios
Front-End DTI25.0%
Housing costs ÷ Income
Back-End DTI36.3%
All debts ÷ Income
Good - Likely Qualified
Your DTI ratios are within acceptable ranges for most lenders. You should qualify for standard mortgage programs.
DTI Requirements by Loan Type
| Loan Type | Max Front-End DTI | Max Back-End DTI | Notes |
|---|---|---|---|
| Conventional | 28% | 36% | Standard guidelines |
| FHA | 31% | 43% | More flexible |
| VA | No limit | 41% | Residual income test |
| USDA | 29% | 41% | Rural properties only |
DTI Ratio Guidelines
Excellent (<20%)
- • Very low debt burden
- • Strong financial position
- • Easy loan approval
- • Best interest rates
Good (20-36%)
- • Manageable debt levels
- • Good approval chances
- • Competitive rates
- • Standard loan terms
High Risk (>36%)
- • High debt burden
- • Limited loan options
- • Higher interest rates
- • Consider debt reduction
How to Improve Your DTI Ratio
Reduce Monthly Debts:
- • Pay off credit card balances
- • Consolidate high-interest debt
- • Avoid new debt before applying
- • Consider debt snowball/avalanche methods
- • Pay down auto loans or student loans
Increase Monthly Income:
- • Ask for a raise or promotion
- • Take on part-time work or side business
- • Include all eligible income sources
- • Add a co-borrower with income
- • Include rental income (if applicable)