Debt-to-Income Ratio Calculator — Will You Qualify for a Mortgage?
Calculate your DTI ratio and see if you qualify for a mortgage or loan.
Enter Your Numbers
Your Results
Back-End DTI
31.4%
Front-end DTI
21.4%
Total Debt
$2,200
Status
Excellent
Get Your Personalized PDF Report
Everything above plus:
- Detailed breakdown with your exact numbers
- How you compare to the national average
- Personalized recommendations
- Save and revisit anytime
No spam. Unsubscribe anytime.
Recommended next step
Partner links. We may earn a commission at no cost to you. This does not affect our editorial independence or calculator accuracy.
How This Calculator Works
Back-end DTI = Total monthly debts / Gross monthly income. Target <36% for best rates, max 43-50% for loan approval. Front-end DTI = Housing only / Income (target <28%).
Frequently Asked Questions
Most lenders require DTI below 43%. Conventional loans prefer below 36%. FHA allows up to 57% in some cases. Lower is always better.
DTI = Total Monthly Debt Payments ÷ Gross Monthly Income × 100. Include proposed mortgage, car loans, student loans, credit card minimums.
Below 36% is good. Below 28% is excellent. Above 43% and most conventional mortgages won't approve you. Aim for as low as possible.
Pay off smaller debts first, increase income, don't take new debt, make extra payments on high-balance loans. Avoid new credit applications before applying.
Yes — student loan payments count in your DTI. Income-driven repayment plans lower your monthly payment and thus improve your DTI.
Related Calculators
Calculations are for educational purposes only. Consult a qualified financial advisor for personalized advice.