Debt-to-Income Calculator

Lenders often use DTI to gauge how much of your income is already committed to debt payments. A lower DTI generally leaves more room for new borrowing; a higher DTI can make additional credit harder to qualify for.

DTI = (Monthly Debt Obligations ÷ Gross Monthly Income) × 100. Add up your qualifying monthly debt payments, divide by your gross monthly income, and multiply by 100 to get a percentage.

DTI is typically based on gross monthly income — before taxes and deductions — not your take-home pay. This is a lending convention and differs from a personal budget, which usually works with net (after-tax) income.

Front-end DTI (the housing ratio) compares only your housing payment to gross income. Back-end DTI compares all monthly debt obligations — including housing — to gross income. Lenders may evaluate both when underwriting a mortgage.

Common qualifying debts include mortgage or rent, auto loans, student loans, credit card minimums, personal loans, and support obligations. Ordinary living expenses like groceries, utilities, and entertainment are generally not counted as debt obligations in standard lending DTI.

DTI is one of several factors lenders consider alongside credit, assets, employment, and the loan program. It does not by itself determine approval.

Underwriting standards vary by lender, loan program, and borrower profile. There is no single universal DTI limit. This calculator provides an estimate, not a lending decision.

Reviewing your DTI can help you see how much of your income is committed to debt and whether reducing balances or increasing income could improve your borrowing position.