Debt-to-Income Calculator
Calculate your front-end and back-end DTI ratio with a color-coded risk indicator.
Before you calculate
Use gross income and monthly required debt payments consistently. Lenders differ in which obligations and income sources they count.
Understanding Debt-to-Income Ratio
DTI is calculated by dividing your total monthly debt payments by your gross monthly income. Lenders use two versions: front-end (housing only) and back-end (all debts).
Back-End DTI = (Monthly Debts ÷ Gross Monthly Income) × 100Example Scenarios
Excellent DTI (under 36%)
A back-end DTI below 36% is considered excellent by most lenders. With a $6,667/month gross income, keeping total debt payments under $2,400/month puts you in this range.
Maximum conventional mortgage DTI
Most conventional mortgage programs allow a back-end DTI up to 43–45%. FHA loans may go to 50% with compensating factors. A lower DTI gives you better rates and more loan options.
DTI thresholds at a glance
Excellent: below 36% | Good: 36–43% | Fair: 43–50% | Poor: above 50%. Front-end DTI (housing only) should ideally stay below 28%.
Methodology & Assumptions
Front-end DTI uses housing payment only. Back-end DTI includes all monthly debt obligations. Max mortgage payment is estimated at 28% of gross monthly income. Results are for educational purposes only.
Sources & calculation notes
Maintained by MoneyCalc. Results are estimates based on the inputs and assumptions shown, not personalized financial advice or a lender quote. Default rates are examples unless a specific tax year or official table is identified.
References explain the underlying concepts or rules. They do not endorse or independently certify this implementation.
Calculations run in your browser. Some tools retain settings on this device. Displayed rounding can produce small differences from a statement or contract.