Calculate your DTI ratio to understand your borrowing capacity and mortgage eligibility
Your Financial Profile
Monthly Income
Standard calculation
Bi-Weekly Income
Every 2 weeks
Annual Income
Yearly salary
Monthly Income Sources
$
Income before taxes and deductions
$
$
Total Monthly Income
$11,500
Estimated DTI Ratio
32%
Monthly Debt Payments
Housing Expenses
$
Auto Loan Payments
$
Credit Card Payments
$
Student Loan Payments
$
Personal Loans
$
Other Monthly Debts
$
Total Monthly Debt
$3,150
Front-End DTI
15.7%
Proposed Mortgage (Optional)
$
Include this to see how a new mortgage affects your DTI
$
$
$
DTI Ratio Analysis
Your Debt-to-Income Ratio
32%
0%25%50%75%
32%
Good - Within Lender Limits
Front-End Ratio
15.7%
Back-End Ratio
27.4%
With New Mortgage
46.3%
Maximum Affordable Mortgage
$2,875
Income vs Debt Breakdown
Monthly Income
Monthly Debt
DTI Ratio
Lender Requirements
Conventional Loan
Max 28% Front-End, 36% Back-End
Qualified
FHA Loan
Max 31% Front-End, 43% Back-End
Qualified
VA Loan
Max 41% Back-End Ratio
Qualified
USDA Loan
Max 29% Front-End, 41% Back-End
Qualified
Monthly Debt Breakdown
Housing Expenses
Rent or current mortgage
$1,800
Auto Loans
Car payments, leases
$450
Credit Cards
Minimum monthly payments
$300
Student Loans
Federal & private loans
$250
Detailed DTI Analysis
Total Monthly Gross Income$11,500
Total Monthly Debt Payments$3,150
Current DTI Ratio (Back-End)27.4%
With Proposed Mortgage46.3%
Maximum Recommended Monthly Debt$4,140
Improvement Recommendations
Pay down highest interest debt firstCredit cards at 18% APR
Increase income by$500/month
Reduce monthly debt by$675/month
Time to reach 36% DTI8-12 months
Next StepsFocus on credit card debt
Note: DTI ratio is one of several factors lenders consider. A lower DTI ratio generally improves loan approval chances and may qualify you for better interest rates. Front-end ratio includes only housing expenses, while back-end ratio includes all monthly debt obligations.
Disclaimer: Debt-to-Income (DTI) ratio is calculated by dividing your total monthly debt payments by your gross monthly income. Lenders typically prefer a DTI ratio below 36%, with no more than 28% of that debt going towards housing expenses. However, some loan programs allow higher ratios with compensating factors.