Debt-to-Income (DTI) Ratio Calculator
Calculate your front-end and back-end ratios to see if you qualify for a loan.
Monthly Gross Income
Use your before-tax (gross) income. Do not use your take-home pay.
Monthly Debt Payments
Only include debt obligations. Do NOT include utility bills, groceries, or insurance.
Back-End DTI Ratio (Total Debt)
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Percentage of income going to debt
Financial Breakdown
Total Monthly Gross Income:
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Total Monthly Debt:
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Front-End DTI (Housing Only):
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Lenders typically prefer a Back-End DTI of 36% or less, though some allow up to 43% or 50% based on loan type.
Debt-to-Income (DTI) Report
Financial Profile
| Total Gross Income | – |
| Housing Payment | – |
| Consumer Debt | – |
| Total Monthly Debt | – |
Back-End DTI Ratio
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Status: –
Underwriting Ratios
Generated by Debt-to-Income Calculator | Assumes standard underwriting principles