Debt-to-Income (DTI) Ratio Calculator
Lenders look hard at DTI before approving you. See exactly where you stand.
Inputs
How it works
DTI = (total monthly debt payments ÷ gross monthly income) × 100. Front-end is just the housing portion.
Frequently asked questions
What DTI do lenders want?
Conventional mortgages typically want back-end DTI ≤43%. FHA can stretch to 50% with compensating factors.
What income counts?
Lenders use gross (pre-tax) monthly income from documented, ongoing sources.
How can I lower DTI quickly?
Either pay down debt or earn more. Even closing a small loan can drop DTI by a noticeable point.
Does DTI affect my credit score?
Not directly — credit scores use utilization, not DTI. But it heavily affects mortgage and loan approval.
Should I include 401k contributions?
No — DTI uses gross income before retirement deductions.
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View all credit cards & debt →Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated January 1970