Debt-to-Income (DTI) Calculator

Enter your gross monthly income and all monthly debt payments to calculate your front-end and back-end DTI ratios.

Gross Monthly Income

Before taxes

New Mortgage P&I

Monthly Property Tax

Monthly Insurance

Monthly HOA

Car Loan Payment

Student Loan Payment

Credit Card Minimums

Other Monthly Debt

Front-End DTI

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Back-End DTI

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Max P&I Payment

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Monthly Housing Cost

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Total Monthly Debt

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Loan Type Qualification

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Note: DTI limits shown are guidelines. Lenders may approve higher DTIs with compensating factors (large down payment, excellent credit, significant reserves). These calculations are estimates only.

What Is Debt-to-Income Ratio?

Your debt-to-income ratio (DTI) is the percentage of your gross monthly income that goes toward debt payments. Lenders use it to evaluate whether you can afford a new mortgage payment on top of your existing obligations.

Front-End vs. Back-End DTI

Front-end DTI (housing ratio) = monthly housing costs ÷ gross monthly income. Includes P&I, property tax, insurance, and HOA. Conventional limit: 28%.

Back-end DTI (total debt ratio) = all monthly debt payments ÷ gross monthly income. Includes housing plus car loans, student loans, credit card minimums. Conventional limit: 36–43%.

DTI = Monthly Debt Payments \div Gross Monthly Income \times 100 Example: $3,000 debt \div $8,000 income = 37.5% DTI

How to lower your DTI: Pay off a credit card, eliminate a car loan before applying, avoid taking on new debt in the 6 months before applying, increase income with a second job or documented side income, or save a larger down payment so the P&I is lower.

What is the maximum DTI for a mortgage? +

Conventional loans: 28% front-end, 36–43% back-end (Fannie Mae DU can approve up to 50%). FHA loans: 31% front, 43% back (with AUS approval up to 57%). VA loans: 41% back-end guideline. USDA loans: 29% front, 41% back. Higher DTIs may be approved with compensating factors like a large down payment or excellent credit.

Does student loan deferment count in DTI? +

Yes. Even if your student loans are deferred or in income-based repayment, lenders include them in DTI calculations. For conventional loans (Fannie Mae), the payment used is either the actual payment or 1% of the balance if the actual payment is $0. FHA uses 1% of the balance regardless of actual payment.

Debt-to-Income (DTI) Calculator