justyourcalculatorDebt-to-Income Ratio Calculator
Your DTI ratios and how lenders will read them.
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Debt-to-Income Ratio Calculator
Your front-end and back-end DTI ratios
Gifts, alimony, child support.
Debt-to-income ratio (back-end)
36.7%
Acceptable: within most mortgage limits, but little room to spare.
- Front-end ratio (housing)Housing costs / gross monthly income
- 25.4%
- Back-end ratio (all debts)
- 36.7%
- Gross monthly income
- $7,083.33
- Housing costs
- $1,800.00
- Other debt payments
- $800.00
- Left after debts
- $4,483.33
Against common limits
- Conventional (28/36)Up to 28% housing and 36% total
- Over the limit
- FHA (31/43)Up to 31% housing and 43% total
- Within limits
- VA (41/41)Up to 41% housing and 41% total
- Within limits
- Housing$1,800
- Other debts$800.00
- Remaining$4,483
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How the debt-to-income ratio calculator works
Debt-to-income (DTI) is your monthly debt payments divided by your gross monthly income. The front-end ratio counts only housing (rent or mortgage, property tax, insurance, HOA); the back-end ratio counts every debt payment.
Lenders use DTI to judge whether you can take on a new payment. Conventional loans aim for 28% front-end and 36% back-end, FHA commonly allows 31% and 43%, and VA looks at 41% total. Qualified mortgages generally top out around 43% to 50%.
Count minimum required payments, not what you choose to pay. Living costs such as utilities, food and phone bills aren't part of DTI.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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