Debt-to-Income (DTI) Ratio Calculator

Calculate your front-end and back-end debt-to-income ratio and see how mortgage lenders will view it.

How do I calculate my debt-to-income ratio?

DTI is your total monthly debt payments divided by your gross monthly income. Enter your income and your rent or mortgage, car, student, card and other loan payments, and the calculator shows your front-end (housing) and back-end (total) ratios with an assessment against common lender limits.

What is a good DTI?

36% or less — healthy; best loan terms.
37–43% — manageable; most mortgages allow up to 43%.
44–50% — high; only some loan programmes allow it.
Over 50% — pay down debt before borrowing more.

Example

$1,820 of monthly debt payments on a $5,000 gross income is a 36.4% DTI.

Frequently asked questions

Do I include utilities or groceries?

No, only debt payments such as loans, cards and housing.

Gross or net income?

Lenders use gross (before tax) income.

Is it free?

Yes.