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Debt & Housing

Debt-to-Income Ratio

Find your front-end and back-end debt-to-income ratio and see how it stacks up against the thresholds lenders use.
Back-End DTI
0%
All debt payments as a share of gross income
Front-End DTI
0%
Housing only
Back-End DTI
0%
Housing plus other debt
Your DTI vs Lender Thresholds
💡 The Math
Estimates use gross income and common lender guidelines. Actual approval depends on credit, loan type, and a full underwriting review.
🏛 Predictable Income

Debt-to-Income Ratio Calculator

The Debt-to-Income Ratio calculator shows the single number underwriters lean on most when deciding whether to approve a loan. Your DTI is the share of your gross monthly income already promised to debt payments. This tool splits it two ways: the front-end ratio counts only your housing payment, and the back-end ratio adds every other monthly debt. Seeing both helps you understand exactly how a lender will frame your application before you ever apply.

To use it, enter your gross monthly income, your monthly housing payment, and your other monthly debt payments like cards, car loans, and student loans. The hero shows your back-end DTI, the figure lenders weigh most heavily. The two stat cards break out the front-end and back-end ratios, and the chart places your back-end number next to the common 36 percent guideline and the 43 percent stretch limit so you can see where you land.

Knowing your DTI before a big borrowing decision puts you in control. A ratio under 36 percent signals comfortable room, while one above 43 percent often means a denial or a higher rate. If you are close to a threshold, paying down a balance or raising income can move you into a stronger position and keep more of your future budget free.