Debt-to-Income (DTI) Calculator
Calculate your debt-to-income ratio to see how lenders view your finances.
This is an estimate for general information only and is not financial, tax or investment advice. Figures may differ from a lender or advisor.
TThe Crypto Tools69+ free crypto calculators — profit, fees, DCA and more.Our networkVisit →Your debt-to-income ratio, or DTI, compares how much you owe each month to how much you earn before tax. Lenders lean on it heavily when deciding whether to approve a mortgage or loan, because it shows how much room you have in your budget to take on a new payment. A lower ratio signals that your debts are comfortably within your means; a higher one suggests you may be stretched.
There are two versions. The front-end ratio looks only at housing costs — your rent or mortgage payment — as a share of income. The back-end ratio, the one most lenders focus on, adds every other monthly debt such as car loans, student loans and minimum credit card payments. As a rough guide, a back-end DTI at or below 36% is considered healthy, 37–43% is manageable, and above 43% is high and can make borrowing harder.
How to use it
- 1Enter your gross monthly income — what you earn before tax and deductions.
- 2Enter your monthly housing payment, including rent or mortgage, taxes and insurance.
- 3Enter your other monthly debt payments, such as loans and minimum card payments.
- 4Read your DTI ratio, front-end ratio and the category lenders would place you in.
Frequently asked questions
What is a good debt-to-income ratio?+
As a general rule, a back-end DTI of 36% or below is considered healthy, 37% to 43% is manageable, and above 43% is high. Many mortgage lenders prefer a ratio at or under 43%, though the exact limits vary by lender and loan type.
What is the difference between front-end and back-end DTI?+
The front-end ratio counts only your housing payment as a percentage of gross income. The back-end ratio adds all your other monthly debts, such as car and student loans and credit card minimums. Lenders usually focus on the back-end ratio because it reflects your total obligations.
Should I use gross or net income for DTI?+
DTI uses gross income — your pay before taxes and deductions — because that is the figure lenders work from. Enter your monthly income before anything is taken out, so the ratio matches how a lender would calculate it.
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