Debt-to-Income Ratio Calculator
Your debt-to-income ratio compares monthly debt payments with gross monthly income. Lenders look at it closely, so it helps to know your estimate before you apply.
Gross monthly income
Use income before taxes and deductions.
Only include income for someone who will be on the loan.
Proposed housing payment
Other monthly debt payments
Enter minimum required payments. Leave out utilities, groceries, phone, insurance premiums and subscriptions — those aren't counted in DTI.
Estimated total debt-to-income ratio
45.8%
Well above common ranges
At this level, reducing recurring debt or adjusting the housing payment you're modelling is usually what changes the picture. Program rules vary widely.
Your two ratios
Housing ratio (front-end)
35.0%
Housing payment of $2,100 against $6,000 of gross monthly income.
Total DTI (back-end)
45.8%
All monthly obligations of $2,750 against the same income.
What was counted
Proposed housing payment
$2,100/mo
All other monthly debts
$650/mo
Total monthly obligations
$2,750/mo
- Gross monthly income
- $6,000
- Income left after these debts
- $3,250
"Income left" is before taxes, utilities, food, savings and everything else DTI ignores — which is why a passing ratio isn't the same as a comfortable budget.
Want to understand this number?
How this calculator works
Both ratios use the same denominator: gross monthly income, meaning income before taxes and deductions. The housing ratio divides the proposed total housing payment by that income. The total ratio adds every other required monthly debt payment first.
Underwriters generally count minimum required payments that appear on your credit report plus court-ordered obligations. Ordinary living expenses — utilities, food, phone, insurance, childcare, subscriptions — are not part of the calculation, even though they very much affect your budget.
What it can't tell you
- There is no single universal DTI cut-off. Limits differ by loan program, automated underwriting result, credit profile, reserves and compensating factors.
- How student loans, deferred debts, co-signed loans and self-employment income get counted varies by program and can differ from what you enter here.
- A ratio inside common guidelines is not an approval, and a ratio above them is not automatically a denial.
- DTI ignores living expenses, so it is not a measure of whether a payment is comfortable.