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Debt-to-Income (DTI) Calculator
Debt-to-income is the share of your gross monthly income that goes to debt payments, and it is one of the first numbers a mortgage lender checks. Enter your income and monthly debt payments to get your front-end and back-end ratios and how much room you have under common limits.
- Front-end (housing) ratio
- 25%
- Total monthly debt payments
- $2,250.00
- Room before 36%
- -$90.00
- Room before 43%
- $330.00
Saved setups
Save a set of inputs you reuse — your usual rate, your loan, your room sizes — and load it back in one tap.
Your recent calculations
Results you calculate here are kept on this device so you can come back to them.
Formula
How to use it
- Enter your gross monthly income — before tax, not take-home.
- Enter your housing payment including tax, insurance and HOA.
- Enter the minimum monthly payments on every other debt.
Worked examples
$6,000 gross a month with $1,500 housing, a $400 car payment, $250 student loans and $100 card minimums
- Debt-to-income ratio
- 37.5%
- Front-end (housing) ratio
- 25%
- Total monthly debt payments
- $2,250.00
- Room before 36%
- -$90.00
- Room before 43%
- $330.00
$10,000 gross a month with $3,100 housing and $1,400 of other debt payments
- Debt-to-income ratio
- 45%
- Front-end (housing) ratio
- 31%
- Total monthly debt payments
- $4,500.00
- Room before 36%
- -$900.00
- Room before 43%
- -$200.00
What counts and what does not
Count required payments that appear on a credit report or court order: mortgage or rent, car loans, student loans, credit card minimums, personal loans, alimony and child support. Do not count groceries, utilities, phone bills, insurance premiums or subscriptions.
Use the minimum payment on cards, not the full balance, even if you pay in full each month.
How lenders read the number
The traditional guideline is 28/36: no more than 28% of gross income on housing and 36% on all debt. Many conventional loans are approved at 43–45%, and some higher with strong credit and savings; FHA guidelines are 31/43. Under 36% is generally viewed as comfortable, and above 43% the choice of lenders narrows. This is a general guide, not a lending decision.
Questions people ask
How do I calculate my debt-to-income ratio?
Add up your monthly debt payments and divide by gross monthly income. $2,250 of payments on $6,000 of income is 37.5%.
What is a good DTI for a mortgage?
36% or lower is the classic target, with housing at no more than 28%. On $6,000 a month that means total debt payments under $2,160.
Does DTI use gross or net income?
Gross. Lenders divide by income before taxes, so your DTI looks lower than the share of take-home pay you actually spend on debt.