Debt-to-Income Ratio Calculator
Your DTI is one of the most important numbers lenders look at. Calculate yours below.
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Other monthly debt obligations
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Your back-end DTI
44.3%
High Risk
Most mortgage lenders cap DTI at 43%. You may struggle to qualify or face higher rates.
Front-end DTI (housing)
30.0%
Total monthly debt
$2,655
See how paying off debt improves your DTI.
Use the main calculator to plan your payoff.
Open Debt Payoff Calculator →DTI Ratio Tiers
- Under 36% — Excellent. Easily qualifies for most loans.
- 36% – 43% — Acceptable. Most mortgages still possible.
- 43% – 50% — High risk. Mortgage approval becomes difficult.
- Over 50% — Danger. Most lenders will decline.
Estimates only. Lender criteria vary. Not financial advice.