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Debt-to-Income Ratio Calculator (DTI)
Free DTI calculator: your front-end and back-end debt-to-income ratio, what lenders look for (36% and 43%), and the largest housing payment that keeps you under each.
Monthly income and payments
Debt-to-income ratio (DTI)
38.3%
| Housing DTI (front-end) | 26.7% |
| Total DTI (back-end) | 38.3% |
| Debt payments a month | $2,300 |
| Max housing payment for 36% | $1,460 |
| Max housing payment for 43% | $1,880 |
OK for many loans, but tight.
Many lenders look for 36% or less, and 43% is a common upper limit. The 28/36 rule: housing up to 28% of income and all debts up to 36%.
Every lender sets its own limits. Not legal, tax or financial advice. 🔒 Everything stays on your device.
📚 Official sources: CFPB: debt-to-income ratio
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Questions people ask
What is a good debt-to-income ratio?+
36% or less is good for most lenders. 43% is a common upper limit for a mortgage.
How is DTI calculated?+
Total monthly debt payments ÷ gross monthly income × 100. Rent or mortgage, car, student loan and card minimums count; utilities and groceries don't.