Debt-to-Income (DTI) Ratio Calculator — Free Online Calculator & Guide
Calculate your front-end and back-end debt-to-income ratios to see if you qualify for a mortgage. Lenders typically require a DTI below 43%.
Debt-to-Income (DTI) Ratio Calculat
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Enter Values
Front-End DTI (Housing Only) — Green — Excellent
▲ 24.0%
Total Gross Monthly Income
▲ $7,500.00
Total Monthly Debt
$2,650.00
Max Housing for 28% Front-End
▲ $2,100.00/mo
Max Total Debt for 36% Back-End
$2,700.00/mo
Max Total Debt for 43% (FHA limit)
$3,225.00/mo
Remaining Capacity (vs. 43% limit)
▲ $575.00/mo available
Scenario Comparison
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Excellent. Well within conventional loan limits.
Excellent. Conventional lenders prefer front-end under 28%.
Lender DTI Thresholds
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