Debt-to-Income Ratio

The Debt-to-Income Ratio Calculator computes the percentage of your gross monthly income that goes toward debt payments. This ratio is one of the most important metrics lenders use to evaluate loan applications. Enter your gross monthly income and all monthly debt obligations — mortgage, car loans, student loans, credit card minimums, and other recurring debts. The calculator shows your front-end ratio (housing only) and back-end ratio (all debts) with color-coded status indicators. Most lenders prefer a back-end DTI below 36%, though some allow up to 43% for qualified mortgages. Knowing your DTI before applying helps you understand your approval odds and whether you should pay down existing debts first.