Calculator
Debt-to-Income Calculator
See what lenders see — your Debt-to-Income ratio and whether you have room to take on new borrowing.
1. Your inputs
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2. Your results
Your DTI ratio
36.1%
Caution — Most mortgage lenders still approve, but there's less cushion.
Monthly income
$7,500
Total debt payments
$2,710
DTI ratio
36.1%
Housing ratio (front-end)
25.3%
Room to 36%
Over
Grade
Caution
Income vs debt allocation
Where the income goes
$7,500
Income
- Housing25%
$1,900
- Auto6%
$420
- Cards2%
$180
- Student3%
$210
- Other debt0%
$0
- Remaining64%
$4,790
What does this mean?
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In plain English
At $7,500 gross monthly income and $2,710 in minimum monthly debt payments, your DTI is 36.1%.
That's a caution range — most mortgage lenders still approve, but there's less cushion.
To get to a healthy 36% ratio, you'd need debt payments no higher than $2,700 per month, or income of $7,528 per month at current debt.
Assumptions used
The math relies on these assumptions. Real-world numbers can vary.
- Income is gross (before tax) monthly income.
- Debt payments are monthly minimums, not what you actually pay.
- Housing includes rent OR mortgage PITI (not both).
- Utilities, groceries, subscriptions are not debt.
- Standards used: <36% healthy, 36–43% caution, 43%+ high.
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Frequently asked
What is DTI?
Debt-to-Income ratio — your monthly minimum debt payments divided by your gross (pre-tax) monthly income. Lenders use it to gauge how much room you have for a new loan.
What's a good DTI?
Under 36% is considered healthy. 36–43% is acceptable for most mortgage lenders. Over 43% starts limiting your loan options significantly.
Does rent count as debt?
For a mortgage application, the front-end DTI uses your prospective new housing payment (PITI). For the back-end DTI, it counts your total housing + other debts.
Do I use gross or net income?
Gross (before taxes). It's the standard used by all US lenders.
How do I lower my DTI?
Either raise income or pay down existing debt. Small min-payment debts often move DTI the fastest — a small credit card wipe-out shifts the ratio noticeably.
About the Debt-to-Income Calculator
Debt-to-Income (DTI) is the single most important number lenders look at when deciding whether to lend to you and how much. It's also the fastest personal check on whether you have room for new borrowing.
The commonly-cited thresholds are 28% for housing alone (front-end) and 36% for total debt (back-end). Some lenders push these to 43% and even 50%, but the risk to you goes up sharply above 40%.
The fastest way to move DTI in the right direction is usually knocking out a small revolving debt entirely — losing that minimum payment moves the ratio disproportionately.
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These calculators are for education only and are not a substitute for personalized advice from a licensed professional. Read our full disclaimer.