Debt-to-Income (DTI) Ratio Calculator
Free Online Debt-to-Income (DTI) Ratio Calculator
Calculate discounts, savings, and final prices instantly — with support for stacked deals, bulk tiers, and tax.
Debt-to-Income (DTI) Ratio Calculator
Know exactly where you stand with lenders
Monthly Gross Income
$
$
$
Housing Costs (Front-End DTI)
$
$
$
Monthly Debt Payments (Back-End DTI)
Front-End DTI
—
—
Housing costs ÷ gross income
Lender target: ≤28%
Lender target: ≤28%
Back-End DTI (Total)
—
—
All debts ÷ gross income
Lender target: ≤36–43%
Lender target: ≤36–43%
Back-End DTI Gauge
Total monthly debts vs gross income
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—
0%
28%
36%
43%
50%+
Excellent (≤28%)
Good (29–36%)
Acceptable (37–43%)
High (44–50%)
Very High (>50%)
Verdict
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Gross Income
—
Housing Costs
—
Total Debts
—
Remaining Income
—
Max Debt for 36%
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Max Debt for 43%
—
Debt to Eliminate (36%)
—
Income Needed (36%)
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📊 Debt Breakdown (% of income)
🔮 What-If Scenarios
If income increases by 10%:
—
If you pay off your largest debt:
—
If you add a $300/mo debt:
—
DTI to qualify for FHA loan (43%):
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DTI for conventional loan (36%):
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