Debt-to-Income Calculator

Calculate your debt-to-income ratio to determine mortgage eligibility.

Income & Debts

Enter your monthly income and debt payments

Monthly Gross Income

Monthly Housing Payment

Include mortgage principal, interest, taxes, insurance, and HOA fees

Other Monthly DebtsTotal: $700

Car Loan

$350

Student Loan

$250

Credit Card

$100

Debt Description

Monthly Amount

Debt-to-Income Ratio

Your DTI ratio helps determine mortgage eligibility

Front-End DTI (Housing Only)

0.0%Excellent

0%28%36%50%

Back-End DTI (All Debts)

0.0%Excellent

0%36%43%60%

Monthly Income:$6,000

Housing Payment:$1,800

Other Debt Payments:$700

Total Monthly Debt:$2,500

Front-End DTI: Ideally 28% or less for conventional loans. Your ratio is 0.0%.

Back-End DTI: Typically 36-43% maximum for most loans. Your ratio is 0.0%.

FHA Loans: May allow up to 31% front-end and 43% back-end DTI.

VA Loans: Focus primarily on residual income rather than DTI ratios.