Tools · DTI Ratio

Your debt-to-income ratio,
and what it means for a mortgage.

Your DTI determines whether you qualify for a mortgage and at what rate. Enter your income and debt payments to see where you stand and which debt payoff improves your DTI the most.

This page covers US-specific accounts and tax law. Outside the US? The priority order is the same, the account names differ (ISA in the UK, TFSA/RRSP in Canada, Super in Australia, etc.).

Before taxes. Includes base + bonus + other income.

MONTHLY DEBT PAYMENTS
FRONT-END DTI
0%
Housing only
BACK-END DTI
0%
All debt
ASSESSMENT ×DON'T TRUST, VERIFYClaim: Typical mortgage-qualification DTI thresholds: conventional 43%, FHA up to 50%.Verify at: CFPB DTI guidance ↗Lender-specific thresholds vary. Conventional conforming typically caps at 43-45%.
MAX MORTGAGE SUPPORTED (43% BACK-END DTI)
$0/mo
Approx. $0 mortgage at current rates ×DON'T TRUST, VERIFYClaim: Mortgage rate used: 7% (adjust to current).Verify at: Freddie Mac PMMS ↗Rates update weekly.
WHICH PAYOFF HELPS MOST?
What this tool assumes
  • Front-end DTI = housing cost / gross monthly income.
  • Back-end DTI = (housing + all other monthly debt) / gross monthly income.
  • Most conventional lenders cap back-end DTI at 43%; FHA allows up to ~50% with compensating factors.

Not financial advice. Lender thresholds vary.

Related

→ Debt Types → Saving for a House → Debt Payoff Calculator
HOW THIS IS CALCULATED

This tool runs entirely in your browser — no data is sent to any server. All formulas use standard financial math. Verify the methodology or inspect the source code in your browser's dev tools.