Debt-to-Income Ratio Calculator
Calculate your DTI ratio and see if you qualify for a mortgage.
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Your debt-to-income (DTI) ratio is one of the most important numbers lenders look at. It tells them what percentage of your income goes toward debt payments. A low DTI signals you can comfortably handle more debt; a high DTI can mean loan denials or higher rates.
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What is a good DTI ratio for a mortgage?
Most conventional lenders want your back-end DTI below 36%. FHA loans allow up to 43–50% with compensating factors. A front-end DTI (housing only) below 28% is considered healthy. The lower your DTI, the better your rates.
What counts as debt in the DTI calculation?
Lenders include all recurring monthly debt obligations: mortgage/rent, car loans, student loans, minimum credit card payments, personal loans, and child support. Utilities, groceries, insurance, and subscriptions are not included.
How can I lower my DTI quickly?
Pay off smaller debts entirely — eliminating a $200/month car payment has the same effect as earning $556 more per month. Avoid new debt in the 6–12 months before applying for a mortgage.
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For informational purposes only. Calculator results are estimates based on the inputs you provide. This is not financial, investment, tax, or legal advice. Consult a qualified financial professional before making major financial decisions.