Debt-to-Income Ratio Calculator

See your front-end and back-end debt-to-income ratios, the numbers mortgage lenders check first.

Gross monthly income ($, before tax) Proposed or current housing payment ($) Other monthly debt payments ($, cards, auto, student loans)

-Front-end ratio (housing only)

-Back-end ratio (all debts)

This is a rough estimate for education, not lending advice. Actual underwriting rules vary by lender and loan program. Nothing you type is sent anywhere.

How this is calculated

The front-end ratio is your housing payment divided by your gross (pre-tax) monthly income. The back-end ratio adds all other monthly debt payments (credit cards, auto loans, student loans, personal loans) on top of housing, divided by the same income. Lenders generally look for a back-end ratio of 36% or less for the best terms, with many conventional and FHA programs allowing up to 43-50% depending on other factors.

Frequently asked questions

What counts as a monthly debt?

Minimum payments on credit cards, auto loans, student loans, personal loans and other mortgages. Utilities, groceries, insurance and subscriptions are not usually counted.

Does a lower DTI guarantee approval?

No. Lenders also look at credit score, down payment, employment history and cash reserves.

Related: the refinance calculator and the debt payoff calculator.