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Debt to Income Ratio Calculator

๐Ÿ“Š My DTI Calculator

Calculate your DTI ratio and loan eligibility in seconds

๐Ÿ’ต Monthly Income

$
Before taxes & deductions
$
Side income, rental, alimony, etc.

๐Ÿ  Housing Expenses (Front-End)

$
$
$
$

๐Ÿ’ณ Monthly Debt Payments (Back-End)

๐Ÿ“ก Your Debt-to-Income Ratio

0% Back-End DTI <20% >50%

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Excellent <20%
Good 20โ€“35%
Fair 36โ€“49%
Poor โ‰ฅ50%
๐Ÿ  Front-End DTI
โ€”
Housing รท Gross Income
Ideal: <28%
๐Ÿ’ณ Back-End DTI
โ€”
All Debts รท Gross Income
Ideal: <36%
Total Income / mo
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Housing Costs / mo
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Total Debts / mo
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Remaining Income
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Annual Debt Cost
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Debt-Free Savings
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๐ŸŽฏ Max Allowable Debt Payments

Conservative (28/36)
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Ideal for FHA loans
Standard (31/43)
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Common lender limit
Maximum (50%)
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Fannie Mae upper limit
๐Ÿ“‚ Full Payment Breakdown โ–ผ
Rent / MortgageHOUSINGโ€”
Property TaxHOUSINGโ€”
Home InsuranceHOUSINGโ€”
HOA FeesHOUSINGโ€”
Total Housing (Front-End)โ€”
DEBT PAYMENTS
Total Non-Housing Debtsโ€”
All Monthly Obligationsโ€”
Gross Monthly Incomeโ€”

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    What-if Scenario Planner: Enter your gross income and compare how different debt loads affect your DTI. Great for planning a new loan, paying off debt, or increasing income.
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    $

    ๐Ÿ“Œ Scenario A โ€” Current

    $
    $

    ๐Ÿ”„ Scenario B โ€” Projected

    $
    $

    ๐Ÿ“Œ Scenario A Results

    Housing Costsโ€”
    Total Debtsโ€”
    Front-End DTIโ€”
    Back-End DTIโ€”
    Statusโ€”

    ๐Ÿ”„ Scenario B Results

    Housing Costsโ€”
    Total Debtsโ€”
    Front-End DTIโ€”
    Back-End DTIโ€”
    Statusโ€”
    โ€”

    ๐Ÿ“˜ What is Debt-to-Income Ratio (DTI)?

    DTI is a percentage that compares your total monthly debt payments to your gross monthly income. Lenders use it to assess your ability to manage monthly payments and repay debts. A lower DTI means better financial health and higher loan eligibility.

    ๐Ÿ“Š DTI Zones & Lender Standards

    DTI Range Rating Lender View Typical Impact
    < 20% Excellent Highly Favourable Best rates, easy approvals, strong negotiating power
    20% โ€“ 35% Good Favourable Most loans approved, competitive interest rates
    36% โ€“ 49% Fair Manageable May qualify but with higher rates or stricter terms
    โ‰ฅ 50% Poor High Risk Likely denied; immediate debt reduction recommended

    ๐Ÿ’ก Tips to Improve Your DTI

    ๐Ÿ’ฐ Increase Your Income

    A side job, freelance work, rental income, or a raise can significantly reduce your DTI without touching your debt load. Even a 10% income increase helps.

    ๐ŸŽฏ Pay Off Small Debts First

    Eliminating small balances (the "snowball" method) reduces your monthly payment count quickly, dropping your DTI even before tackling larger debts.

    ๐Ÿšซ Avoid New Debt

    Before applying for a mortgage or major loan, avoid new credit cards, car loans, or buy-now-pay-later agreements โ€” they all raise your DTI immediately.

    ๐Ÿ” Refinance to Lower Payments

    Refinancing existing loans at a lower interest rate or extending loan terms reduces monthly payments, which directly lowers your back-end DTI ratio.

    ๐Ÿ“‹ Consolidate Debt

    Consolidating multiple debts into one lower-interest loan can reduce your total monthly payment obligation, improving both your DTI and credit score.

    ๐Ÿ  The 28/36 Rule

    Most conventional lenders follow the 28/36 rule: housing costs โ‰ค28% of gross income (front-end), and all debts โ‰ค36% of gross income (back-end).

    ๐Ÿ“Š DTI Calculator Pro โ€” Results are estimates for educational purposes only

    Exchange rates are approximate and may vary