Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio (DTI) to assess your financial health. See if you qualify for loans and understand your borrowing capacity.
Step 1: Income Details
Income Guidelines
Include all sources of regular income: salary, bonuses, commissions, rental income, alimony, child support, and investment income.
Step 2: Debt Details
Debt Guidelines
Include all monthly debt obligations: mortgage/rent, auto loans, credit cards, student loans, personal loans, alimony, and child support.
Debt-to-Income Ratio Results
Your Debt-to-Income Ratio
Monthly Debt Breakdown
| Debt Type | Monthly Payment | % of Total Debt | % of Income | Status |
|---|
Debt Management Tips
Consider consolidating high-interest debts, making extra payments on principal balances, and creating a budget to track spending patterns.
DTI Guidelines for Lenders
DTI Calculation Formula
DTI Ratio = (Total Monthly Debt Payments ÷ Total Monthly Gross Income) × 100
Front-End Ratio: Housing debt only. Back-End Ratio: All debt obligations.
Loan Qualification Guidelines
| Loan Type | Max Front-End DTI | Max Back-End DTI | Notes |
|---|---|---|---|
| Conventional Mortgage | 28% | 36% | May go up to 45% with strong credit |
| FHA Loan | 31% | 43% | May exceed with compensating factors |
| VA Loan | No limit | 41% | Residual income also considered |
| Auto Loan | N/A | 45% | Varies by lender and credit score |
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