Debt-to-Income Ratio Calculator

Calculate your debt-to-income ratio to assess your financial health and loan eligibility

Gross Monthly Income ($)

Other Monthly Income ($) - Optional

Mortgage/Rent Payment ($)

Credit Card Minimum Payments ($)

Auto Loan Payment ($)

Student Loan Payment ($)

Other Debt Payments ($)

Child Support/Alimony ($)

Front-End DTI: Housing costs divided by gross monthly income

Back-End DTI: All monthly debt payments divided by gross monthly income

Gross Income: Your total income before taxes and deductions

Monthly Debts: Minimum required payments on all debts

Very low debt burden, excellent loan qualification

Manageable debt levels, good loan prospects

Higher debt burden, may limit loan options

High debt burden, difficult to qualify for loans

Conventional Mortgages: Typically require DTI ≤ 43%

FHA Loans: May allow DTI up to 57% with compensating factors

VA Loans: No strict DTI limit, but 41% is preferred

Auto Loans: Generally prefer DTI ≤ 36-40%

Personal Loans: Usually require DTI ≤ 40-45%

• Increase your income through raises, side jobs, or investments

• Pay down existing debts to reduce monthly payments

• Avoid taking on new debt before applying for loans

• Consider debt consolidation to lower monthly payments

• Make extra payments on high-interest debts first