Loan Approval Help
Tool

DTI Calculator

Calculate your debt-to-income ratio the way lenders do. Runs entirely in your browser.

Your income

Your total pre-tax income per month, from all sources.

Your monthly debt

Principal, interest, property tax, and insurance — or rent.

Personal loans, child support, co-signed loans, etc.

Results
Back-end DTI
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Front-end DTI (housing only)
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How lenders use this: Most mainstream lenders cap back-end DTI around 43–45%. FHA mortgages stretch to 56.9% with compensating factors. VA loans use a residual income test alongside DTI. Below 36% is typically considered ideal.

Learn more: Read the full DTI explainer →