Debt-to-Income (DTI) Ratio Calculator

Front-end DTI uses only housing costs. Back-end DTI uses housing plus all monthly debts. Results are estimates.

Income & Housing

Gross income

Income frequency

Monthly housing payment (PITI)

HOA dues (monthly, optional)

Include child support, alimony, personal loans, and other recurring debts that appear on credit reports.

All calculations run in your browser.

Status

Status

Optional ad slot

Front-end DTI target often 28 to 31 percent.
Back-end DTI target commonly up to 36 to 43 percent. Some programs allow higher with strong compensating factors.
Lower DTI improves approval odds and pricing. Paying down revolving balances can move the needle quickly.

This tool is an estimate. Lenders use detailed guidelines and full credit reports.