Debt-to-Income (DTI) Ratio Calculator
Your DTI ratio is one of the most important numbers lenders evaluate. Calculate your front-end and back-end DTI ratios. Reviewed for clarity and functionality.
Advertisement
Your DTI Results
Front-End DTI (Housing Only)
Back-End DTI (All Debts)
Total Monthly Debt Payments
Gross Income Minus Listed Debt
Disclaimer: Estimates for informational purposes only. Lender requirements vary. Does not replace professional advice. Note: Front-end DTI shown here uses only rent/mortgage payment. Lenders may also include property tax, home insurance, HOA, and PMI in their front-end ratio (PITI). Last updated: August 2026. Source: CFPB mortgage guidelines on DTI thresholds.
Advertisement
DTI Ratio Reference
| DTI Range | Assessment |
|---|---|
| ≤ 36% | Excellent — most lenders consider this low-risk |
| 37%–43% | Moderate — may qualify but with less favorable terms |
| 44%–49% | High — limited options; needs compensating factors |
| ≥ 50% | Very high — unlikely to qualify for most conventional loans |