Debt-to-Income Ratio Calculator
Calculate your DTI ratio to see if you qualify for loans and mortgages.
Monthly Figures
$
Monthly Debt Payments
$
$
$
$
$
Your DTI Ratio
40.0%
Fair0% Excellent20%36%43%50%+ Very High
Total Monthly Debt
$2,400
Back-End DTI
40.0%
Front-End DTI
25.0%
Lender Qualification Guide
Conventional Mortgage
Max 43% DTIQualify
FHA Loan
Max 50% DTIQualify
Auto Loan
Max 50% DTIQualify
Personal Loan
Best under 40%Qualify
DTI Calculator FAQ
Most lenders prefer a DTI below 36%. A DTI below 20% is excellent. Between 36-49% you may still qualify for loans but terms may be worse. Above 50% makes qualifying for credit very difficult.
DTI includes monthly payments for: mortgage or rent, car loans, student loans, credit card minimums, personal loans, and child support. It does not include utilities, groceries, or insurance.
You can improve DTI by paying down existing debt, increasing your income, avoiding new debt, or a combination. Even paying off one credit card can meaningfully lower your ratio.