Debt to Income Ratio Calculator
Calculate your debt to income ratio the way lenders do, and see how much room you have under common limits.
Debt to income ratio compares your monthly debt payments with your gross income. Lenders use it to decide how much you can borrow.
Below 36% is comfortable. Above 43% most mortgage lenders will say no.
How it works
The back end ratio adds up every debt payment and divides by income. The front end ratio uses housing costs alone.
The room figure shows how much extra monthly debt you could take on and stay under 36%.
The formula
Front end = housing payment / income.
Tips
- Utilities, groceries and insurance are not debts. Leave them out.
- Paying off a small loan entirely removes its payment from the ratio, which can matter more than the balance.
Frequently asked questions
What DTI do I need for a mortgage?
Most lenders want 43% or less. Some programs allow up to 50% with strong credit and reserves.
This is not financial advice. Nothing on this site is investment, tax, legal or financial advice of any kind.
The calculators give simplified estimates from the numbers you enter. They ignore taxes, fees, rate changes and real market returns, and they can be wrong.
Do not make financial decisions based on these results. Speak to a licensed financial adviser, accountant or lender before acting, and read the full disclaimer.