Debt-to-Income Ratio Calculator

Check if your DTI meets lender requirements. Most lenders want a back-end DTI below 43%.

Monthly Income & Debts

Gross Monthly Income (before taxes)

$

Housing Costs (Proposed)

Mortgage Payment (P&I)

$

Property Tax (monthly)

$

Insurance (monthly)

$

HOA Fees

$

Other Monthly Debts

Car Payment

$

Student Loans

$

Credit Card Minimums

$

Other Monthly Payments

$

Back-End DTI Ratio

0%

0% Good (=36%) Max (43%) 50%+

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Front-End DTI

0%

Back-End DTI

0%

Total Housing

$0

Total All Debts

$0

💡 Tips to Improve Your DTI

Pay down credit card balances first (highest impact)
Avoid taking on new debt before applying
Consider a larger down payment to reduce mortgage amount
Look for a less expensive home
Increase income with a side job or raise
Refinance existing auto or student loans for lower payments