Calculate your Debt-to-Income (DTI) ratio — the key metric lenders use to assess your ability to repay loans. See whether you qualify for a mortgage or loan.
Enter your figures and click Calculate to see your results.
Enter your gross monthly income and all monthly debt payments to calculate your front-end and back-end DTI ratios.
Press the Calculate button. All results are computed instantly in your browser — no page reload needed.
Your full breakdown appears in the results card. Use Copy to grab the figures or Download to save a text report.
DTI is the percentage of your gross monthly income that goes toward paying debts. It is calculated as: Total Monthly Debt Payments ÷ Gross Monthly Income × 100. It is one of the most important metrics lenders use to assess lending risk.
Below 20% is excellent. 20–35% is manageable. 36–43% is the threshold most lenders accept for mortgage approval. Above 43% makes qualifying for new loans difficult, and above 50% is considered financially stressed.
Front-end DTI (housing ratio) includes only housing costs (mortgage/rent, property tax, insurance) as a percentage of income. Lenders typically want this below 28%. Back-end DTI includes all monthly debt payments. Most lenders use back-end DTI for loan decisions.
DTI uses minimum monthly payments, not balances. If your minimum payment is $50 on a $2,000 balance, $50 is what counts toward your DTI. However, high balances hurt your credit utilisation ratio and credit score separately.
Either increase your income or reduce your monthly debt payments. Pay off smaller debts entirely to eliminate their payment. Avoid taking on new debt. Refinance existing loans to lower payments. A pay rise or additional income also directly improves the ratio.
For mortgage applications, your current rent does not count as debt in DTI — because once you have a mortgage, the rent payment goes away. The proposed mortgage payment replaces it in the front-end DTI calculation.
Conventional loans: back-end DTI typically up to 43–45%. FHA loans: up to 43–57% with compensating factors. VA loans: 41% guideline but can be exceeded. Jumbo loans: typically stricter, often 38–43%.
Yes. Any required court-ordered payments such as alimony, child support or maintenance payments are included in your monthly debt obligations for DTI calculation purposes.
Gross (pre-tax) income from all verifiable sources — salary, wages, self-employment income, rental income, pension, investment income and regular bonuses or overtime that can be documented. Lenders typically require 2 years of consistent income history.
No. Lenders also evaluate credit score, credit history, employment stability, assets and down payment size (for mortgages). A strong credit score can sometimes offset a slightly elevated DTI ratio depending on the loan programme.
