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Debt-to-Income (DTI) Ratio Calculator

Enter your income, existing debt payments, and proposed mortgage payment to calculate front-end and back-end DTI ratios.

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How to use this tool

  1. 1Enter your gross monthly income.
  2. 2Enter other monthly debt payments.
  3. 3Enter the proposed mortgage payment.
  4. 4See your front-end and back-end DTI.

Frequently asked questions

What DTI do lenders look for?+

Many conventional lenders look for a back-end DTI at or below 43%, though limits vary by loan program and lender.

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