Debt-to-Income Ratio Calculator

How to use

1. 1Pick Find my DTI to compute your current front-end and back-end ratios from a list of debts, or Find max debt at threshold to work backwards from a lender cap.
2. 2Enter your gross annual income (pre-tax). Use the Gross monthly override field if your annual figure varies; lenders typically use a 24-month average for commission and bonus income.
3. 3Add each monthly debt payment as a row. Use the minimum required payment for credit cards, the actual loan payment for auto and student loans, and PITI (principal, interest, tax, insurance) for housing.
4. 4Read the front-end DTI, back-end DTI, and the status badge at the top of the result panel. Compare your ratio against the conventional, FHA, VA, QM, and stretch thresholds in the table below.
5. 5Switch to Find max debt at threshold to enter a planned housing payment and a target threshold, and read the maximum total monthly debt and maximum non-housing debt the threshold allows. Click Copy summary to save a full breakdown.

About this tool

Debt-to-Income Ratio Calculator computes the two ratios that mortgage and loan underwriters actually use: the front-end DTI (monthly housing payment divided by gross monthly income) and the back-end DTI (all monthly debt divided by gross monthly income). Enter a gross annual income or paste a monthly figure, then list each monthly debt payment by category (housing, auto, student, credit card, personal, other). The tool sums each category, divides by gross monthly income, and reports both percentages to two decimal places, along with a status bucket from Excellent (below 20) to Healthy (20 to 36), Manageable (36 to 43), Stretched (43 to 50), and High risk (above 50). A side-by-side threshold table compares your ratio against the four guidelines most US lenders publish: conventional (28 percent front-end and 36 percent back-end), FHA (31 and 43), VA (no front-end limit and a 41 percent back-end cap), and the CFPB Qualified Mortgage 43 percent safe harbor, plus a stretch 45 percent band that many lenders quietly allow with strong credit and reserves. The Find max debt mode flips the problem: enter your income and pick a threshold, and the tool returns the maximum total monthly debt you can carry to stay under that DTI plus the maximum non-housing debt allowed once a planned housing payment is reserved (useful when you are shopping mortgage pre-approval and want to know exactly how much credit card and car payment room you have). Currency formatting supports USD, EUR, GBP, CAD, AUD, JPY, INR, and TRY (display only, no exchange rates are fetched). Six preset scenarios cover first-time home buyers, dual-income households, renters upgrading to ownership, tight budgets with heavy debt, low-debt borrowers, and self-employed cases with credit card and personal loan minimums. A copy-ready summary block snapshots your inputs and ratios so you can save a record, share it with a co-borrower, or paste it into a pre-approval conversation. Useful for mortgage pre-qualification, refinance planning, car loan sanity checks, deciding whether to take on another credit card, comparing FHA and conventional eligibility, and tracking debt payoff progress. Math runs entirely in your browser; income and debt values never leave the page.

Free to use. Works in your browser. No signup, no login.