Debt-to-Income Calculator
Calculate your debt-to-income ratio to understand your financial health and loan qualification potential.
Income & Debt Information
Your DTI Analysis
Total Debt-to-Income Ratio
Status
Front-end DTI
Housing costs only
Back-end DTI
All debt payments
Monthly Breakdown
Debt Breakdown
Recommendations
Loan Qualification Guide
Enter your income and debt information to calculate your DTI ratio
Understanding Debt-to-Income Ratios
What is DTI?
Debt-to-income ratio is the percentage of your monthly gross income that goes toward paying debts. It's a key metric lenders use to assess your ability to manage monthly payments.
DTI = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100
DTI Categories
Improving Your DTI
- ✓ Pay down existing debt balances
- ✓ Increase your income through raises or side jobs
- ✓ Avoid taking on new debt
- ✓ Consider debt consolidation
Loan Qualification Guidelines
| Loan Type | Max Front-end DTI | Max Back-end DTI | Notes |
|---|---|---|---|
| Conventional Mortgage | 28% | 36% | Standard guidelines, may vary by lender |
| FHA Loan | 31% | 43% | Government-backed, more flexible |
| VA Loan | No limit | 41% | For eligible veterans |
| USDA Loan | 29% | 41% | Rural development loans |
| Auto Loan | N/A | 36-40% | Varies by lender and credit score |
About this calculator
Debt-to-income ratio compares required monthly debt payments with gross monthly income.
Basic formula: DTI ratio = monthly debt payments / gross monthly income x 100.
This free tool provides an estimate from the values you enter so you can compare scenarios and make more informed planning decisions. Results can differ from employer payroll systems, tax filings, lender calculations, or professional advice.
For paycheck and tax estimates, review our calculation methodology and official IRS and SSA sources. Tax rules and limits can change, so verify important decisions with the relevant authority or a qualified professional.
Related calculators
Transparent and privacy-conscious
We explain calculator limitations, link to source material where relevant, and provide clear privacy and disclaimer pages. Do not enter sensitive identifiers such as Social Security numbers.