Debt-to-Income Calculator
Compute front-end and back-end DTI ratios used in mortgage underwriting.
How to use
Front-end DTI = housing ÷ income. Back-end DTI = (housing + other debts) ÷ income.
Frequently asked questions
What DTI do lenders want?
Many conventional loans target back-end DTI under 43–50%, but guidelines vary.
Do you store the numbers I enter?
Calculations run in your browser. Inputs are not sent to our servers.