Free Debt-to-Income Calculator
Calculate your front-end and back-end debt-to-income ratios to determine mortgage qualification eligibility.
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Back-End DTI (Total)
38.8%
Front-End DTI (Housing)27.5%
Total Monthly Debt Payments$3,100
Income After Debt$4,900
Max Housing at 28% Front-End$2,240
Max Total Debt at 43% Back-End$3,440
Back-End DTI (Total) vs Gross Monthly Income
Debt-to-Income Ratios
Lenders use DTI ratios to assess your ability to manage monthly payments and repay debts.
Front-End Ratio (Housing)
Front-End DTI = Monthly Housing Cost (PITI) / Gross Monthly Income x 100
Most lenders prefer this to be 28% or less.
Back-End Ratio (Total)
Back-End DTI = Total Monthly Debt / Gross Monthly Income x 100
Most conventional lenders want this at 43% or less. FHA allows up to 50% with compensating factors.
DTI Guidelines by Loan Type
Example Calculation
Gross monthly income of $8,000. Housing $2,200, car $450, student loans $300, credit cards $150.
- 01Front-end DTI: $2,200 / $8,000 = 27.5%
- 02Total debt: $2,200 + $450 + $300 + $150 = $3,100
- 03Back-end DTI: $3,100 / $8,000 = 38.75%
- 04Both ratios are under typical limits (28% front, 43% back)
- 05Remaining income after debt: $8,000 - $3,100 = $4,900
- 06Maximum housing at 28%: $8,000 x 0.28 = $2,240
- 07Maximum total debt at 43%: $8,000 x 0.43 = $3,440