Home / Calculators / DTI Calculator

What's Your Debt-to-Income Ratio?

Enter your income and monthly debts to see your DTI ratio and how it compares to conventional, FHA, and other common lending guidelines.

📊 Instant ratio 🏦 Lender guideline comparison 📈 Debt breakdown
💼
Your income
$
🧾
Your monthly debt payments
$
$
$
$
$
Your debt-to-income ratio
—
DTI ratio
—
Total monthly debt
—
Housing-only ratio
—
—
—
📊
Debt breakdown
How your DTI compares to common lending guidelines
Loan programYour status

Disclaimer: This calculator provides an estimate based on standard debt-to-income guidelines. Actual lending decisions also depend on credit score, employment history, assets, and individual lender policies. For informational purposes only — not financial or lending advice.

📖
How to use this calculator
1
Enter your gross monthly income
Use pre-tax income — this is the standard lenders use.
2
List every recurring debt payment
Include housing, car loans, student loans, and credit card minimums — not spending categories like groceries or utilities.
3
Check your ratio against common lending guidelines
Different loan programs allow different maximum ratios — see which ones your current DTI would fit within.
❓
FAQs
Add up all your monthly debt payments (housing, car loans, student loans, credit card minimums, and other loans), then divide that total by your gross monthly income, and multiply by 100 to get a percentage.
36% or below is generally considered good and aligns with conventional lending guidelines. Below 20% is considered excellent. Above 43% starts to fall outside most standard loan programs, though some flexible programs allow higher ratios for well-qualified borrowers.
Gross income — your income before taxes and other deductions. This is standard practice across lenders and is what this calculator uses.
Recurring debt obligations: rent or mortgage payments, car loans, student loans, minimum credit card payments, and other installment or personal loans. It does not include expenses like groceries, utilities, or insurance, which aren't considered debt.
DTI is one of the primary ways lenders estimate how much additional debt you can reasonably take on without becoming financially overextended. A lower DTI generally signals more capacity to handle a new loan payment on top of existing obligations.
📊 Quick facts
Excellent DTI
20% or below
Conventional loan guideline
36% or below
FHA-style guideline
Up to 43%
🎯
Thinking about buying a home? See our home affordability calculator for a max home price based on this same math.

Related guides:

How This Calculator Works

Debt-to-income ratio is calculated by dividing your total monthly debt payments by your gross monthly income. This calculator adds up the debt categories you enter, divides by your income, and compares the result against three common lending thresholds: the conservative 36% guideline used by many conventional lenders, the more flexible 43% ceiling common in FHA and similar programs, and the higher thresholds some specialized loan programs allow for well-qualified borrowers.

Front-End vs. Back-End DTI

This calculator shows both your overall DTI (all debts combined) and your housing-only ratio, sometimes called the front-end ratio. Lenders typically look at both: the front-end ratio isolates just your housing costs, while the back-end ratio (the main DTI figure) captures your full debt picture. A large gap between the two often means non-housing debt — car loans, student loans, credit cards — is the bigger factor limiting your borrowing capacity.