Debt-to-Income Ratio Calculator
The DTI number lenders check before approving you.
Enter your values
Results update instantly as you type — no submit needed.
Results
- Back-end DTI
- 40.8%
- Front-end (housing) DTI
- 30%
- Lender view
- Acceptable to most lenders
- Room before 43%
- $130.00 of extra monthly debt
Quick answer
Debt-to-income ratio is total monthly debt payments divided by gross monthly income; most mortgage lenders want 43% or less.
DTI = monthly debt payments ÷ gross monthly income × 100
How to use the Debt-to-Income Ratio Calculator
- 1Enter gross (pre-tax) monthly income.
- 2Add your housing payment.
- 3Add all other minimum debt payments to get the DTI.
Frequently asked questions
What DTI do mortgage lenders want?
Conventional loans usually cap around 43%, though strong credit and reserves can stretch it to 50% on some programs.
Do utilities count?
No. DTI counts debt payments only — loans, credit card minimums, child support and alimony. Utilities and groceries are excluded.