Debt-to-Income Calculator

Monthly Income

Enter your gross (pre-tax) monthly amounts.

Wages / Salary ($/mo) Self-employment / 1099 ($/mo) Rental income ($/mo) Other income ($/mo)

Monthly Housing

Include taxes, insurance, and HOA if they're escrowed or paid monthly.

Mortgage or rent ($/mo) Property tax + insurance ($/mo) HOA / association dues ($/mo)

Other Monthly Debt Payments

Use minimum required payments — that's what lenders count.

Auto loan payments ($/mo) Credit card minimums ($/mo) Student loan payments ($/mo) Personal loan payments ($/mo) Child support / alimony ($/mo) Other recurring debt ($/mo)

Your Ratios

Lenders look at two DTI numbers — your front-end (housing-only) and back-end (all debts).

Front-end DTI

0.0%

0%28% target50%+

Housing costs ÷ gross income

Back-end DTI

0.0%

0%36 / 43% lender lines60%+

All debts ÷ gross income

Enter your monthly income to see your DTI.

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Monthly Income

Monthly Housing

Other Monthly Debt Payments

Your Ratios

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