Debt-to-Income (DTI) Ratio Calculator
Calculate your front-end and back-end DTI ratios to evaluate borrowing power and loan approval eligibility.
🌍 Select Currency / Region:
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Back-End (Total) DTI Ratio
35.0%
Front-End (Housing) DTI
26.3%
Lender Health Rating
Excellent (Good to Go)
About Debt-to-Income (DTI) Ratio Calculator - Front & Back-End DTI
Debt-to-Income (DTI) ratio is one of the most critical metrics underwriters inspect. It measures how much of your gross monthly paycheck is committed to servicing recurring debt.
💡 How to Use This Calculator
- Enter gross monthly income.
- Input housing costs and all other non-housing monthly minimum debt payments.
⚡ Key Features & Considerations
📋 Conforming Loan Compliance
Evaluates mortgage lending thresholds (28% Front-end / 36-43% Back-end).
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Frequently Asked Questions
What is a good DTI ratio for a mortgage?
A back-end DTI of 36% or less is ideal. Most conventional lenders cap approval at 43%, though FHA loans can occasionally approve up to 45-50% with compensating factors.