Debt-to-Income Ratio Calculator

Tools · DTI Ratio

1 MIN READ

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.

MONTHLY GROSS INCOME ($)

Before taxes. Includes base + bonus + other income.

MONTHLY DEBT PAYMENTS

HOUSING (RENT OR PROPOSED)

CAR LOANS

STUDENT LOANS

CREDIT CARD MINIMUMS

PERSONAL LOANS

CHILD SUPPORT / ALIMONY

OTHER RECURRING

FRONT-END DTI

Housing only

BACK-END DTI

All debt

ASSESSMENT 🔍 verify×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 🔍 verify×DON'T TRUST, VERIFYClaim: Mortgage rate used: 7% (adjust to current).Verify at: Freddie Mac PMMS ↗Rates update weekly.

WHICH PAYOFF HELPS MOST?

→ Debt Types → Saving for a House → Debt Payoff Calculator

Not financial advice. Lender thresholds vary.

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

Related

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