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Debt-to-Income Ratio Calculator
Free debt-to-income ratio calculator. Calculate your DTI and see how lenders view it.
Most lenders prefer a back-end DTI at or below 36%. Qualified mortgages often allow up to 43%, and some programs go higher with strong credit or reserves.
Frequently Asked Questions
What is a debt-to-income ratio?
It is your monthly debt payments divided by your gross monthly income, shown as a percentage. If you earn $6,500 a month and pay $2,650 toward debts, your back-end DTI is about 41%.
What is a good debt-to-income ratio for a mortgage?
Lenders generally prefer 36% or lower. Qualified mortgages commonly allow up to 43%, and some FHA and portfolio programs go higher with compensating factors such as strong credit or cash reserves.
What is the difference between front-end and back-end DTI?
Front-end counts only housing costs, including principal, interest, taxes, insurance, and HOA dues. Back-end adds every other monthly debt payment, and it is the figure lenders weigh most heavily.
Which bills count toward DTI?
Recurring debt payments count: mortgage or rent, auto loans, student loans, credit card minimums, personal loans, and court-ordered support. Utilities, groceries, insurance premiums, and streaming subscriptions do not.