Debt-to-Income Ratio Calculator
Calculate your front-end and back-end debt-to-income (DTI) ratios. Add all your monthly debts to see whether you meet the thresholds lenders use for conventional and FHA mortgage approval.
Rent or mortgage + insurance + tax
Other Monthly Debts
Back-end DTI — Acceptable
36.7%
What is debt-to-income ratio?
Debt-to-income ratio (DTI) compares your monthly debt payments to your gross monthly income. Lenders use it to assess whether you can comfortably handle additional debt. It's expressed as a percentage: DTI = total monthly debts ÷ gross monthly income × 100.
Front-end vs back-end DTI
Front-end DTI(housing ratio) includes only your proposed housing costs: mortgage principal and interest, property taxes, homeowner's insurance, and any HOA fees. Lenders typically want this below 28%.
Back-end DTI includes all monthly debt obligations: housing costs plus car loans, student loans, credit card minimum payments, and any other recurring debt. Lenders typically want this below 36% for conventional loans and below 43% for FHA loans.
What debts are included in DTI?
Monthly obligations that appear on your credit report are included: mortgage or rent, car payments, student loans, credit card minimum payments, personal loans, child support, and alimony. Utilities, groceries, insurance premiums, and subscriptions are not included.
Can I get approved with a high DTI?
Some lenders approve borrowers with back-end DTIs up to 50% if they have compensating factors: strong credit score (720+), significant cash reserves, or a large down payment. VA loans have more flexible DTI guidelines. However, a lower DTI generally means better loan terms and lower interest rates.
