Debt to Income Ratio (DTI) Calculator

DTI is the ratio of total monthly debt payments divided by gross monthly income, expressed as a percentage. Lenders use DTI to assess ability to take on new debt, especially mortgages.

Add up all monthly debt payments, divide by gross monthly income, then multiply by 100. Example: $2,350 in total payments on $6,000 income gives a DTI of 39.17%.

Front-end DTI uses only housing costs (mortgage or rent payment, property taxes, insurance, HOA). Back-end DTI uses all debt payments including housing plus car payments, credit cards, student loans, and other loans.

As a general guideline, a back-end DTI of 36% or less is considered healthy by many lenders. The 36–43% range is still acceptable to many loan programs, but financial breathing room is tighter.

In the United States, 43% is the back-end DTI limit for qualified mortgages under general rules. Above 43%, lenders generally judge default risk to be higher.

The 28/36 rule is a general guideline for conventional loans in the US: housing costs should not exceed 28% of income (front-end), and total debt not more than 36% (back-end). This is a general guideline, not an absolute requirement of every lender.

All recorded recurring payments: mortgage or rent, property taxes, home insurance, car payments, credit card minimum payments, student loans, personal loans, and other installments. Living expenses like groceries and subscriptions do not count.

Generally what counts is the credit card monthly minimum payment, not the full balance you pay off. Lenders still look at your card balances and limit usage separately.

Two levers: lower payments by paying off high-interest debt first, or raise your income. This calculator has a what-if mode to see how far DTI drops when one debt is paid off.

Not directly. Credit scores do not use DTI as a factor, but lenders use DTI when evaluating new loan applications, alongside the credit score.

There is no single number since each lender and program differs, but as a general guideline many conventional programs target a back-end DTI of at most 36–43%, with 43% as the general qualified mortgage limit in the US.

No. This calculator only provides educational estimates based on the numbers you enter. For borrowing or debt decisions, consult a licensed financial professional.

A debt ratio calculator for mortgage is a DTI calculator set up specifically for mortgage applications: it computes the ratio from total PITI housing costs (principal, interest, property taxes, insurance) plus PMI and HOA, then compares it against the general 43% limit for qualified mortgages. The mortgage mode in this calculator does all of this automatically, including estimating the principal and interest payment from the home price and down payment.

As a general guideline, a back-end DTI of 43% or less meets the general qualified mortgage limit in the US, while many conventional programs target 36% or less with front-end under 28% for the strongest position. The exact numbers depend on your lender and program, so always verify criteria with your lender.

PITI stands for Principal, Interest, Taxes (property), and Insurance (homeowner’s): the four housing cost components lenders use to compute front-end DTI. The mortgage mode in this calculator builds the housing total from the estimated principal and interest payment plus the taxes, insurance, PMI, and HOA you enter.