DTI Calculator ? Debt-to-Income Ratio
Lenders approve on DTI more than any other single number. Enter your gross income, proposed housing payment and monthly debts to see both ratios and where you stand against lender limits.
Debt-to-Income (DTI) Calculator
$
$
$
Car loans, student loans, credit card minimums, personal loans, child support.
Front-End DTI
26.7%
Housing ÷ income (target ≤ 28%)
Back-End DTI
33.9%
All debts ÷ income (max ≈ 43–50%)
Comfort zone — most lenders approve easily
Max housing payment @ 43% DTI$3,220
Max housing payment @ 50% DTI (FHA stretch)$3,850
Numbers look good? Check what lenders will actually offer you.
See your real rate — free in 60 seconds