DTI Calculator
Educational calculators — always consult a licensed professional before making financial decisions.
Your income and debts
Monthly pay before tax and deductions, from every source a lender can document. Both ratios are divided by this.
The full monthly payment on the home you are buying — a Loan Estimate lists it. Your current rent is left out, because the mortgage replaces it.
Front-end DTI 29.3%
Required minimums as they appear on your credit report. Utilities, insurance and subscriptions are not debts and stay out.
Include all vehicle loans. Enter 0 if none.
Use current required monthly payment. Enter 0 if none.
Total minimums across all cards. Enter 0 if none.
Personal loans, medical debt, child support, alimony, etc. Enter 0 if none.
Total monthly debt $2,200 · back-end DTI 29.3%
Back-end DTI
29.3%
Borderline
Front-End DTI
29.3%
Back-End DTI
29.3%
Monthly debt summary
DTI guidelines at a glance
Front-end ≤28% and back-end ≤36% is ideal. FHA allows up to 43% back-end. VA and some conventional loans allow 45–50% with strong credit.
DTI is one factor in mortgage qualification. Lenders also consider credit score, assets, employment history, and loan type. Consult a licensed mortgage professional.
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DTI Calculator is built and maintained by the RealCostIQ editorial team. Cost ranges and rates are checked against published industry data and contractor quotes, and revised when the underlying figures move. Read our data methodology or more about who builds this. Every calculation runs in your browser — no account, and none of your inputs are stored.
Cost ranges and rates here are checked against contractor quotes and published industry data. If a number still looks off, email Support@RealCostIQ.com and we'll review and fix it.