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Calculate your debt-to-income ratio (DTI) to understand your mortgage qualification. Get instant results with front-end and back-end ratios and lender guidelines.

Thông tin chi tiết của bạn

Thu nhập hàng tháng

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Chi phí nhà ở (PITI)

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Các khoản nợ hàng tháng khác

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Enter your income, housing costs, and monthly debts, then click Calculate DTI Ratio to see your front-end and back-end ratios, qualification status, and guidance.

Hướng dẫn sử dụng hoàn chỉnh

What is Debt-to-Income Ratio?

Debt-to-Income (DTI) ratio is the percentage of your gross monthly income that goes toward paying monthly debts. Lenders use it to assess your ability to manage mortgage payments. A lower DTI generally improves your chances of qualifying for a loan and may help you get better rates.

Front-End DTI = Housing Costs ÷ Gross Income

Back-End DTI = Total Monthly Debts ÷ Gross Income

This calculator shows both front-end (housing only) and back-end (all debts) ratios, compares you to common loan program limits, and estimates how much room you have for additional debt.

What Your Results Mean

Front-End DTI (Housing Ratio)

Housing costs (PITI) ÷ gross monthly income. Lenders often prefer 28% or less.

Back-End DTI (Total Debt Ratio)

All monthly debt payments ÷ gross income. The qualified mortgage (QM) limit is typically 43%.

Qualification Zones

Green (≤36%), yellow (36–43%), orange (43–50%), red (>50%). Lower is better for qualification.

Cách sử dụng máy tính này

  1. Enter your gross monthly income and any other income
  2. Enter housing costs: mortgage P&I, property tax, insurance, HOA
  3. Enter other monthly debts: car, student loans, credit cards, personal loans, child support, other
  4. Click 'Calculate DTI Ratio' to see your results
  5. Review the qualification zones, loan comparison table, and affordability section
  6. Read the guide below for interpretation and tips

Hiểu kết quả của bạn

Front-End and Back-End Ratios

Your front-end ratio shows what share of income goes to housing; back-end shows total debt burden. Conventional loans often use 28/36 (front/back), FHA may allow higher with compensating factors, and the QM rule caps back-end at 43% for many loans.

Loan Program Comparison

The table shows whether you meet typical front and back DTI limits for Conventional, FHA, VA, and the QM limit. Qualifies means you're within the limit; Exceeds means you're over.

Room for Additional Debt

How much more monthly debt you could take and still stay at or below 43% back-end DTI. Useful when planning new obligations.

Công thức được sử dụng

The calculator uses the following:

Front-End DTI:

Housing (PITI) ÷ Gross Monthly Income × 100

Back-End DTI:

Total Monthly Debts ÷ Gross Monthly Income × 100

Ghi chú quan trọng

  • This calculator is for educational and informational purposes only. It is not a substitute for professional financial or lending advice.
  • Results are estimates. Lenders may use different income or debt definitions and limits.
  • If you are preparing for a mortgage, consider consulting a loan officer or financial advisor.

Impact of High DTI

A high DTI can lead to:

  • Difficulty qualifying for a mortgage
  • Higher interest rates or smaller loan amounts
  • Tighter budget and less savings

Benefits of Lower DTI

A lower DTI can help you:

  • Qualify for better loan terms
  • Borrow more or afford a higher payment
  • Reduce financial stress

Mẹo để cải thiện DTI của bạn

  • Pay off credit cards and small loans first.
  • Avoid taking on new debt before applying.
  • Increase income (raises, side income) to improve ratios.
  • Consider a larger down payment for a smaller loan.

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