Debt-to-Income (DTI) Calculator
Calculate your debt-to-income ratio to see where you stand for mortgage approval. Most lenders require a DTI below 43%.
Monthly Income
$
$
Alimony, rental income, etc.
Monthly Debts
$
Existing or proposed payment
$
$
$
$
Front-End DTI
0.0%
Housing costs only
Back-End DTI
11.3%
All monthly debts
Front-End DTI
0.0%
0-28%
28-36%
36%+
Back-End DTI
11.3%
0-36%
36-43%
43%+
Debt Breakdown
Housing
$0
Car
$400
Student Loans
$300
Credit Cards
$150
Other
$0
Total Monthly Income
$7,500
Housing Costs
$0
Total Monthly Debts
$850
Front-End DTI
0.0%
Back-End DTI
11.3%
Excellent — you’re in a strong position for most mortgage programs.
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