DTI Calculator
Calculate your debt-to-income ratio to determine mortgage qualification and affordability
Debt-to-Income Ratio Calculator
Calculate your DTI ratio to see if you qualify for a mortgage
The full DTI calculator is available on our main calculator page
Go to Main CalculatorDTI Ratio Requirements
Different loan types have different DTI requirements
Conventional Loans28% / 36%
Front-end DTI / Back-end DTI
FHA Loans31% / 43%
Front-end DTI / Back-end DTI
VA Loans41% max
Total DTI ratio
USDA Loans29% / 41%
Front-end DTI / Back-end DTI
Front-End DTI
Front-end DTI measures housing costs against income:
(Housing Costs ÷ Gross Income) × 100
Includes mortgage payment, property taxes, insurance, and HOA fees
Back-End DTI
Back-end DTI measures all debts against income:
(All Debts ÷ Gross Income) × 100
Includes housing costs plus all other monthly debt payments
What Counts as Debt?
Included in DTI
- ✓ Monthly mortgage payment
- ✓ Credit card minimum payments
- ✓ Car loans
- ✓ Student loans
- ✓ Personal loans
- ✓ Alimony/child support
Not Included
- ✗ Utilities
- ✗ Groceries
- ✗ Insurance (life, health)
- ✗ Investment contributions
- ✗ Savings
- ✗ Entertainment expenses
Calculate Your DTI Ratio
Use our affordability calculator to determine your debt-to-income ratio and see how much you can afford.
Start Calculating