Skip to main content
RealCostIQ

DTI Calculator

Educational calculators — always consult a licensed professional before making financial decisions.

Before taxes and deductions. Include all income sources.

$
$100$1M

Include principal, interest, taxes, insurance, and HOA.

$
$0$100K

Include all vehicle loans. Enter 0 if none.

$
$0$10K

Use current required monthly payment. Enter 0 if none.

$
$0$10K

Total minimums across all cards. Enter 0 if none.

$
$0$10K

Personal loans, medical debt, child support, alimony, etc. Enter 0 if none.

$
$0$50K

Back-end DTI

29.3%

Borderline

Front-end DTI29.3% (Borderline)
Max housing (28% rule)$2,100
Max housing (36% rule)$2,700
Total monthly debt$2,200

Front-End DTI

29.3%

28%36%

Back-End DTI

29.3%

36%43%

Monthly debt summary

Gross monthly income$7,500
Proposed mortgage$2,200
Total monthly debt$2,200

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.

Free

Email me the detailed report

A full PDF breakdown of these numbers — yours to keep or hand to a contractor.

DTI is one factor in mortgage qualification. Lenders also consider credit score, assets, employment history, and loan type. Consult a licensed mortgage professional.

Add this calculator to your site

Your Saved Scenarios

No saved scenarios yet

You might also find these helpful

Mortgage Affordability Calculator

How much home can you afford?

Debt Impact Calculator

See how debts affect buying power.

FHA Loan Calculator

FHA allows higher DTI ratios.

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.