Debt-to-Income Calculator
Calculate your DTI ratio to see if you qualify for a mortgage or loan. Instant results with lender thresholds.
Before taxes and deductions
Back-End DTI
39.2%
Acceptable
Front-End DTI
25.0%
Housing only
Total Monthly Debt
$2,350
of $6,000 income
What Is Debt-to-Income Ratio?
Debt-to-Income (DTI) ratio is the percentage of your gross monthly income that goes toward paying debts. Lenders use it to assess your ability to manage monthly payments and repay borrowed money. A lower DTI means you have a good balance between debt and income.
How to Use
- Enter your gross monthly income (before taxes)
- Add all monthly debt payments: mortgage/rent, car loans, student loans, credit cards, etc.
- Your front-end and back-end DTI ratios are calculated instantly
DTI Thresholds
- ≤ 36%: Excellent — most lenders prefer this range
- 37–43%: Acceptable — qualifies for most conventional and FHA loans
- 44–50%: High — harder to qualify, may need compensating factors
- > 50%: Very High — most lenders will decline
FAQ
What is the difference between front-end and back-end DTI?
Front-end DTI includes only housing costs (mortgage/rent, property tax, insurance). Back-end DTI includes all monthly debt payments. Lenders typically look at both; back-end DTI is the more commonly cited figure.
Does DTI affect my credit score?
DTI itself is not part of your credit score, but the underlying debts affect your credit utilization ratio, which does impact your score. Lenders check DTI separately during the loan application process.
How can I lower my DTI?
Pay down existing debts (especially high-balance ones), avoid taking on new debt before applying for a loan, or increase your income. Even a small reduction in monthly debt payments can meaningfully improve your DTI.