Debt-to-Income Calculator
Estimate your front-end and back-end debt-to-income ratios using income, recurring debts, and a proposed housing payment.
Results
Total DTI Ratio
43.58%
Monthly Gross Income: $7,916.67
Current Debt Ratio
15.79%
Housing Ratio
27.79%
How the DTI calculator works
The calculator converts your annual income into a gross monthly figure, then measures how much of that income is already committed to debt. It reports your current debt ratio, your housing ratio, and your total DTI after adding the proposed housing payment.
Understanding underwriting ratios
Debt-to-income ratio is a lender screening tool, but it is also a practical budgeting guardrail. A lower DTI usually means more resilience if rates rise, expenses surprise you, or income changes temporarily.
Frequently Asked Questions
Many lenders prefer a total DTI below 36%, though some mortgage programs allow more. Lower is better because it gives you more room for rate changes, emergencies, and monthly cash flow flexibility.