DTI for Mortgage Calculator
Enter gross monthly income and total monthly debt (including the proposed housing payment). See your DTI ratio.
DTI
Enter values.
How it works
DTI = (monthly debt payments ÷ gross monthly income) × 100. Lenders often use 36% or 43% as max total DTI; housing-only may be 28%.
When to use it
Use it to see if you qualify or how much debt you can add before applying.
Frequently asked questions
What counts as debt?
Mortgage, car loans, student loans, credit card minimums, etc. Lenders use their own rules.
Front-end vs back-end?
Front-end = housing/income; back-end = all debt/income. We show total DTI.