Debt-to-Income Calculator

Calculate your DTI ratio to understand your financial health and loan eligibility.

Monthly Income

Gross Monthly Income

Income before taxes

Monthly Debt Payments

Mortgage / Rent

Car Payments

Student Loans

Credit Card Minimums

Other Debts

Personal loans, child support, etc.

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Your DTI Ratio Status

37.5%

Moderate

Your debt is getting high. Some lenders may have concerns.

DTI Summary

Debt-to-Income Ratios

Back-End DTI (Total)37.5%

Front-End DTI (Housing)25%

Total Monthly Debt

Monthly Income

DTI Thresholds

≤28% - Excellent (ideal for mortgage approval)

29-36% - Good (most lenders comfortable)

37-43% - Moderate (may affect loan terms)

>43% - High (difficult to get approved)