Debt-to-Income (DTI) Ratio Calculator

Calculate your front-end and back-end Debt-to-Income (DTI) ratios to evaluate mortgage and loan approval eligibility.

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Parameters

Gross Monthly Income (Pre-Tax)

Monthly Housing / Mortgage / Rent

Includes Principal, Interest, Taxes, and Insurance (PITI).

Monthly Auto Loans / Leases

Credit Card Minimum Payments

Monthly Student Loans

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Back-End Debt-to-Income (DTI) Ratio

35.3%

Rating: Acceptable (Standard qualified mortgage limit)

Front-End Ratio (Housing Only)

24.0%

Lenders prefer ≤ 28%

Total Monthly Debt Obligations

$2,650.00

Remaining Monthly Income

$4,850.00

Distribution of monthly income toward debt versus retained income

How lenders evaluate DTI ratios for conventional, FHA, and VA loans.

DTI Range	Eligibility Status	Lender Action
≤ 35%	Excellent	Eligible for best interest rates and conventional terms
36% – 43%	Good / Standard	Qualified Mortgage (QM) limit for most lenders
44% – 50%	Caution	Requires higher credit score, larger down payment, or FHA
> 50%	High Risk	Difficult to qualify for standard mortgages

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