Debt-to-Income Calculator
Part of Mortgage. Use this debt-to-income calculator to see how housing and other monthly obligations compare to gross income—common for mortgage pre-approval planning.
Debt-to-Income Calculator
Front-end DTI compares housing costs to gross income. Back-end DTI adds other monthly debt obligations. Lenders often use back-end ratios near 36%–43% for qualification, but programs vary.
DTI estimate
Front-end DTI (housing ÷ income)24.0%
Within common guideline (many lenders target ~28% front-end)
Back-end DTI (housing + debts ÷ income)30.0%
Within common guideline (many programs use ~36%–43% back-end)
How the Debt-to-Income Calculator works
Debt-to-Income Calculator
Debt-to-income (DTI) ratio measures how much of gross monthly income goes to housing and other required debt payments. Mortgage underwriters use DTI alongside credit, reserves, and program rules.
Front-end DTI focuses on housing. Back-end DTI includes housing plus other monthly debts such as auto loans, student loans, and minimum revolving payments.
Use the optional proposed housing field when replacing rent with a new mortgage payment. Guidelines are not universal—compare your ratios to lender program limits rather than treating any single percentage as guaranteed approval.
Frequently asked questions
What is debt-to-income (DTI) ratio?
DTI compares monthly debt obligations to gross monthly income. Lenders use it to gauge whether a borrower can afford additional payments.
What is front-end vs back-end DTI?
Front-end DTI is housing costs divided by income. Back-end DTI adds other monthly debt payments (auto, student loans, cards, etc.) to housing, then divides by income.
What DTI do lenders typically allow?
Guidelines vary by product. Many conventional programs reference back-end ratios around 36%–43%, but exceptions exist. This tool does not guarantee approval at any ratio.
Should I include proposed housing in DTI?
When shopping for a home, model the proposed PITI payment separately to see how it changes front-end and back-end ratios versus your current housing cost.