⚖️ Debt-to-Income (DTI) Ratio Calculator
The same ratio lenders use to evaluate your mortgage or loan application.
How This Is Calculated
Front-End DTI = Housing Payment ÷ Gross Monthly Income. Back-End DTI = (Housing Payment + Other Debt Payments) ÷ Gross Monthly Income. Lenders typically focus on back-end DTI, with 36% or below generally considered healthy for conventional financing.
Frequently Asked Questions
What is a good debt-to-income ratio?
Conventional lenders typically look for a back-end DTI of 36% or lower, though FHA loans often allow up to
43%. A DTI under 36% is generally considered healthy.
What is the difference between front-end and back-end DTI?
Front-end only counts housing costs against income. Back-end counts housing plus all other debt payments
— it's the more commonly cited measure.
Guide: understanding your result
- Debt-to-income (DTI) = total monthly debt payments ÷ gross monthly income.
- Many lenders prefer a DTI of 36% or lower; some loan programs accept higher ratios with compensating factors.
- Rent, utilities and groceries are usually not counted as debt; mortgage, car, student loan and minimum card payments are.
Worked example
Gross income of $6,000 a month with a $1,400 mortgage, $350 car payment and $150 in card minimums gives a DTI of 31.7%.
Monthly debt payments at common DTI levels
| Gross monthly income | 28% | 36% | 43% |
|---|---|---|---|
| $4,000 | $1,120 | $1,440 | $1,720 |
| $6,000 | $1,680 | $2,160 | $2,580 |
| $8,000 | $2,240 | $2,880 | $3,440 |
| $10,000 | $2,800 | $3,600 | $4,300 |
Common mistakes to avoid
- Using take-home pay instead of gross income.
- Leaving out co-signed loans that appear on your credit report.
Official sources
Examples are calculated live from the same data the calculator uses and are for education only — they are not financial, tax or investment advice.
More Finance calculators
See all →✔ Reviewed by GelirLab Editöryal Ekibi · How we check our calculators