DTI Calculator

Calculate your debt-to-income ratio — the key metric lenders use to evaluate your borrowing capacity. Enter your monthly income and debt payments to see front-end and back-end DTI with affordability ratings.

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DTI Calculator — Debt-to-Income Ratio Calculator

Calculate your debt-to-income ratio. See front-end and back-end DTI with affordability ratings and lender guidelines.

Gross Monthly Income ($)Housing Payment ($)Auto Loan Payment ($)Credit Card Minimums ($)Student Loan Payment ($)Other Debts ($)

Total Monthly Debt$2,90036.3% of income

Front-End DTI (Housing)25.0%Rating: Good | Target: ≤28%

Back-End DTI (Total)36.3%Rating: Fair | Max: ≤43% (qualified), ≤36% (ideal)

Debt AffordabilityFairYou may qualify but should reduce debt.

Monthly Debt Payments vs Income

DTI Ratio

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