Debt-to-Income Ratio Calculator | DTI for Mortgage & Loans

Lenders typically prefer a back-end DTI below 36%. 43% is often the maximum for a Qualified Mortgage. FHA loans may allow up to 50% with compensating factors. Lower is always better for approval odds and interest rates.

Front-end DTI includes only housing costs (mortgage/rent, taxes, insurance) divided by gross income. Back-end DTI includes all monthly debt obligations (housing + credit cards + student loans + car loans) divided by gross income. Lenders evaluate both, but back-end DTI is the primary measure.

Two approaches: increase gross income (raises, side income, co-borrower) or reduce monthly debt obligations (pay off credit cards, student loans, or car loans before applying). Even paying off one small debt can shift your DTI meaningfully. Use the debt payoff planner in this calculator to see which debts to target.

FHA loans typically allow a back-end DTI up to 43%, and sometimes up to 50% with strong compensating factors (like a high credit score or large down payment). VA loans have more flexible DTI guidelines — VA does not set a hard limit but lenders typically prefer below 41%. Enter your income and debts to check your current DTI against these thresholds.

Yes! In guest mode, you can export your calculations to JSON format. Sign in is required for PDF and CSV export. Click the export button to download your results. This is perfect for record-keeping, sharing with others, or importing into other tools.

Yes! Your calculation history is automatically saved. Guest users can save up to 50 calculations per workspace locally. Sign in for free to save up to 100 calculations per workspace, with access from any device when logged in.

Absolutely! The Debt-to-Income Ratio Calculator is completely free with no sign-up required. Create a free account to unlock additional features like more calculation history, multiple workspaces, and the ability to access your saved data from any device.