Real Estate Calculators
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.
30.0%
Front-end DTI (housing only)
55.0%
Back-end DTI (all debt)
Many conventional lenders look for a back-end DTI at or below 43%, though limits vary by loan program and lender.
How to use this tool
- 1Enter your gross monthly income.
- 2Enter other monthly debt payments.
- 3Enter the proposed mortgage payment.
- 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.