Debt-to-Income Calculator

Calculate your debt-to-income ratio to understand your financial health and loan qualification potential.

Income & Debt Information

Monthly Gross Income

Part-time job, freelance, rental income, etc.

Alimony, child support, investment income, etc.

Monthly Debt Payments

Include property taxes and insurance if applicable

Alimony, child support, other loan payments

Your DTI Analysis

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Enter your income and debt information to calculate your DTI ratio

Understanding Debt-to-Income Ratios

What is DTI?

Debt-to-income ratio is the percentage of your monthly gross income that goes toward paying debts. It's a key metric lenders use to assess your ability to manage monthly payments.

Formula:
DTI = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100

DTI Categories

Excellent: Under 20%
Good: 20% - 36%
Fair: 37% - 42%
Poor: Over 43%

Improving Your DTI

  • ✓ Pay down existing debt balances
  • ✓ Increase your income through raises or side jobs
  • ✓ Avoid taking on new debt
  • ✓ Consider debt consolidation

Loan Qualification Guidelines

Loan Type Max Front-end DTI Max Back-end DTI Notes
Conventional Mortgage 28% 36% Standard guidelines, may vary by lender
FHA Loan 31% 43% Government-backed, more flexible
VA Loan No limit 41% For eligible veterans
USDA Loan 29% 41% Rural development loans
Auto Loan N/A 36-40% Varies by lender and credit score