Debt-to-Income Ratio Calculator

Find your housing and total debt-to-income ratios, the numbers mortgage lenders look at first.

$
Before taxes, all borrowers combined.
Monthly Housing Payment
$
Other Monthly Debt Payments
$
$
$
$
Personal loans, child support, alimony.
Fractions and decimals both work.
–
Total DTI
Housing ratio
Total monthly debt
28/36 rule
FHA 31/43
Room to 36%
Room to 43%

Scenarios

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ScenarioIncomeHousingTotal DebtFrontBackRemove

How to Calculate Debt-to-Income Ratio

Debt-to-income (DTI) is the share of your gross monthly income that goes to debt payments. Lenders look at two versions:

Front-end (housing) ratio = housing payment ÷ gross monthly income
Back-end (total) ratio = (housing + all other debt payments) ÷ gross monthly income

Count minimum required payments, not what you choose to pay. Don't count utilities, groceries, insurance premiums outside the mortgage, or other living costs.

Worked Example

Common Guidelines

GuidelineHousingTotal
Traditional conventional rule of thumb28%36%
FHA standard limits31%43%
Former Qualified Mortgage cap (replaced by price-based tests in 2021–22)–43%

Lenders often allow higher ratios (up to about 45–50% for many conventional loans) with strong credit, reserves or automated underwriting approval. These are general guidelines, not a loan decision.