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Debt-to-Income Ratio Calculator

Enter monthly income, housing payment, and other debts to calculate your front-end and back-end DTI ratios.

Your debt-to-income (DTI) ratio is the most important factor lenders use to qualify you for a mortgage. This calculator computes your front-end ratio (housing costs only) and back-end ratio (all monthly debt payments) and tells you whether they meet typical lender thresholds.

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Last reviewed: April 2026Report an error

Mortgage/rent + property tax + insurance

Car, student loans, credit card minimums

Back-End DTI Ratio

31.4%

Front-end: 25.7% (good). Back-end: 31.4% (good). Max housing for 28%: $1,960.

Front-End DTI

25.7% (good)

Target ≤28%

Back-End DTI

31.4% (good)

Target ≤43%

Max Housing (28%)

$1,960

Max Total Debt (43%)

$3,010

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How to Use This DTI Calculator

  1. Enter your monthly gross income.
  2. Enter your monthly housing payment (mortgage/rent + tax + insurance).
  3. Enter all other monthly minimum debt payments.
  4. Read front-end DTI, back-end DTI, and status vs. lender thresholds.

Frequently Asked Questions

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