Free Debt-to-Income (DTI) Ratio Calculator
Calculate your debt-to-income ratio to determine your loan eligibility. Lenders use DTI to evaluate mortgage and loan applications — a DTI under 43% is required for most loans.
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Frequently Asked Questions
What is debt-to-income ratio (DTI)?
DTI is your total monthly debt payments divided by your gross monthly income, expressed as a percentage. A mortgage payment of $1,500 on $5,000/month income = 30% DTI.
What DTI do lenders require for a mortgage?
Most lenders prefer a back-end DTI below 43%. Many conventional loans cap at 36–43%. FHA loans may allow up to 50% with compensating factors. Lower DTI gives you better rates and more options.
What is the difference between front-end and back-end DTI?
Front-end DTI includes only housing costs (mortgage/rent + taxes + insurance). Back-end DTI includes all recurring debts (housing + car loans + student loans + credit cards). Lenders evaluate both.