Debt-to-Income (DTI) Calculator
Your DTI ratio is one of the most important numbers lenders check.
Income & Debts
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Rent or mortgage payment
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Loans, cards, car, EMIs
Back-end Debt-to-Income Ratio
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Front-end Ratio (Housing only)
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Max Monthly Debt at 36%
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Assessment
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How to read your DTI
The front-end ratio is your housing payment divided by income. The back-end ratio adds all other debts — this is the number lenders care about most.
- Under 36% — healthy; most lenders approve comfortably.
- 36% – 43% — acceptable for some lenders, especially with a good credit score.
- Above 43% — risky; you may face higher rates or denial.
DTI Calculator FAQ
What is a good debt-to-income ratio?▶
A back-end DTI of 36% or less is considered good. Staying under 43% is usually required for most loans, and under 50% for some government programs.
How can I lower my DTI?▶
Pay down credit card balances and small loans, avoid taking on new debt, or increase your income. Even small reductions improve your loan eligibility.