Debt-to-Income (DTI) Ratio Calculator

Enter your gross income and monthly debts. We’ll compute back-end and front-end DTI, classify risk, and show your maximum additional payment for a chosen DTI cap.

Gross income

$ / yr

DTI uses gross (pre-tax) income.

Target DTI limit (%)

Housing payment

Rent or mortgage (PITI/HOA if applicable).

Credit cards (min)

Auto loans

Student/personal/other

Results

Back-end DTI

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Front-end (housing) DTI

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Risk Class

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Max additional payment @ cap

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Back-end DTI = (total monthly debts ÷ gross monthly income). Front-end = (housing ÷ gross monthly income).

Guidelines

< 36% often considered strong.
36–43% fair to caution (program-dependent).
> 43% high risk; underwriting exceptions may apply.