Check debt-to-income ratio against lender guidelines
For mortgage applicants calculating debt-to-income ratio: determine whether your income supports the loan amount and lender DTI requirements.
Debt-to-Income (DTI) Calculator
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Create Free AccountWhat it does
The DTI Calculator determines whether your total debt payments meet conventional (28/36%), FHA (31/43%), and VA (41%) debt-to-income guidelines by dividing total monthly debt obligations by gross monthly income. Input income and all debt payments to see qualification status across different loan programs.
DTI is the gatekeeper for mortgage approval — even strong credit and substantial down payment can't overcome excessive debt ratios that lenders consider unmanageable. This calculator shows which loan programs you qualify for and how much additional debt you can assume without exceeding lender thresholds.
Who it's for
- Mortgage applicants checking DTI compliance before formal application to avoid rejection
- Loan officers calculating DTI and explaining qualification or requirement for debt paydown
- Financial advisors helping clients optimize DTI by paying down consumer debt before mortgage application
- Real estate agents qualifying buyers upfront based on realistic DTI positions
How it works
Enter monthly gross income
Pre-tax income from all sources.
Enter housing payment and other debts
Proposed mortgage + all other monthly debt (car, student loans, credit cards).
Calculate front and back-end DTI
Front: housing ÷ income. Back: (housing + debt) ÷ income.
Why it matters
Calculate front-end DTI (housing expense ÷ income)
Calculate back-end DTI (all debts ÷ income)
Identify whether you meet standard 43% back-end DTI limit
Model maximum loan you can qualify for at your income level
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Full access to Debt-to-Income (DTI) Calculator, 66 other calculators, live FRED rates, AI deal verdicts, conservative/base/optimistic scenario projections, printable reports, and vault storage.
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Frequently asked questions
What DTI ratio do most lenders require?
Standard: 43% back-end DTI. Some allow 50%; some tight: 36%. Front-end (housing only): typically 28%.
Can I improve my DTI?
Yes — pay off debts (car, credit cards, student loans) or increase income. Even paying off $300/month in debt improves DTI meaningfully.
What debts count toward DTI?
All monthly debt: mortgages, car loans, student loans, credit cards (minimum payment), personal loans, child support, alimony, rental obligations.
Do I have to report all debts?
Lenders run credit report; you can't hide debt. Be honest; address high DTI with debt payoff or higher income before applying.
Is this calculator free to use?
Yes — create a free Investor Starter account to run 1 calculator per day. No credit card required. Upgrade to Core ($49/mo) for unlimited access to all 67 calculators.
How accurate are the results?
Results are only as accurate as your inputs. The formulas use industry-standard real estate investment math. Always verify with a licensed professional before committing capital.
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