Debt-to-Income Ratio Calculator

Calculate your debt-to-income ratio to understand your financial health and mortgage qualification potential. Analyze both front-end and back-end DTI ratios.

Income & Debt Information

Monthly Income

$
$

Bonus, commissions, rental income, etc.

Housing Expenses (Front-End DTI)

$

Mortgage/rent + taxes + insurance + HOA

$

If not included in housing payment

Other Monthly Debts

$
$
$
$

Personal loans, alimony, child support, etc.

DTI Analysis

Enter your income and debt information to see DTI analysis

Understanding Debt-to-Income Ratios

DTI Ratio Types

Front-End DTI (Housing Ratio)

Housing expenses ÷ Gross monthly income. Includes mortgage, taxes, insurance, and HOA fees.

Preferred: ≤ 28%

Back-End DTI (Total Debt Ratio)

All monthly debt payments ÷ Gross monthly income. Includes housing plus all other debts.

Preferred: ≤ 36%

Lender Guidelines

Loan Type Front-End Back-End
Conventional 28% 36%
FHA 31% 43%
VA No limit 41%
USDA 29% 41%

💡 Improving Your DTI Ratio

Reduce Debt:

  • • Pay off credit cards and personal loans
  • • Make extra payments on student loans
  • • Avoid taking on new debt
  • • Consider debt consolidation options

Increase Income:

  • • Ask for a raise or promotion
  • • Take on a side job or freelance work
  • • Include documented bonus/commission income
  • • Add rental or investment income