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Calculate your front-end and back-end DTI ratio for mortgage qualification.
Check your front-end and back-end DTI ratios — the two numbers every lender will pull before approving a mortgage or loan.
Back-End DTI
35.5%
Status: Healthy
Front-End DTI
25.4%
Monthly Income
$7,083
Total Monthly Debt
$2,515
Income Left
$4,568
What lenders see
Within the safe 28–36% range most lenders accept.
Debt-to-Income (DTI) Calculator calculates front-end DTI (housing costs ÷ gross income) and back-end DTI (all monthly debts ÷ gross income) and maps them against FHA, conventional, and jumbo loan approval thresholds.
Calculate the two ratios every lender will pull before approving you for a mortgage or major loan: your front-end ratio (housing only) and back-end ratio (all debt service).
Enter your gross annual income.
Add each monthly debt payment (housing, auto, student, credit cards).
See your front-end DTI, back-end DTI, and lender approval band.
Front-end DTI = monthly housing costs (P&I + tax + insurance + HOA) ÷ gross monthly income. Back-end DTI = total monthly debts (housing + all other) ÷ gross monthly income. Approval bands follow Fannie Mae/Freddie Mac and FHA guidelines.
Under 28% (front-end) and under 36% (back-end) is the conservative target. Conventional mortgages accept up to ~43–45% back-end DTI with strong credit. FHA may allow up to 50%.
Front-end is housing costs only (PITI + HOA) ÷ gross monthly income. Back-end adds all other recurring debt (auto, student, credit card mins). Lenders mostly use back-end for approval decisions.
Always gross (pre-tax). Lenders use gross because tax obligations vary by deductions, credits, and state — gross is more comparable across applicants.
Utilities, groceries, insurance premiums (other than mortgage), gas, entertainment, gym, streaming, etc. Only debt obligations and recurring contractual payments count.
How much house can you afford? Uses the 28/36 lender rule with live mortgage rates.
Pay off multiple credit cards using avalanche or snowball method.
Estimate your take-home pay after federal, FICA, state taxes, 401(k), and health premiums.