Debt-to-Income Ratio Calculator
Calculate your debt-to-income (DTI) ratio — the number lenders use to approve mortgages and loans. See where you fall and what lenders look for.
Back-End DTI (All Debts)
38.3%
Manageable / Caution
Your DTI is within range for many lenders, but you may face tighter scrutiny or slightly higher rates. Paying down debt before applying could help.
Front-End DTI (Housing Only)
25.0%
Lenders prefer ≤ 28%
Total Monthly Debt
$2,300
of $6,000 gross income
DTI Benchmark Guide
Frequently Asked Questions
What is a good debt-to-income ratio?
Lenders generally consider a back-end DTI of 36% or below to be healthy. Ratios between 37–43% are manageable but may raise flags, and anything above 43% can make it difficult to qualify for conventional mortgages and other credit products.
What's the difference between front-end and back-end DTI?
Front-end DTI (also called the housing ratio) measures only your housing costs—rent or mortgage payment—as a percentage of gross income. Back-end DTI includes ALL monthly debt obligations: housing, auto loans, student loans, credit cards, and other payments. Lenders evaluate both, but back-end DTI carries more weight.
How does DTI affect getting a mortgage?
Conventional loan guidelines typically cap back-end DTI at 43–50%, though lenders prefer 36%. FHA loans allow up to 43% (sometimes 50% with compensating factors). A high DTI doesn't automatically disqualify you, but it often means higher rates, stricter scrutiny, or the need for a larger down payment. Reducing debt or increasing income before applying can meaningfully improve your options.