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Debt-to-Income (DTI) Ratio Calculator

FREE

Calculate your DTI ratio and see if you qualify for a mortgage

Debt Management

Inputs

Enter your information

Income

Before taxes and deductions

Housing Costs (Front-End DTI)

Other Monthly Debts (Back-End DTI)

Minimum payment required

Personal loans, child support, alimony, etc.

Results

Fill in the inputs to see your results

Enter your data to calculate

How This Calculator Works

  • 1Enter your gross monthly income and all monthly debt payments
  • 2Calculator computes front-end DTI (housing only) and back-end DTI (all debts)
  • 3Compare your ratios to lender requirements: 28% front-end, 36% back-end ideal
  • 4See how much mortgage you can qualify for based on your DTI
  • 5Get recommendations on debt reduction or income increase needed to improve your ratio

⚡Unlock Pro Features

  • ✓Upload pay stubs - AI auto-extracts gross income
  • ✓Upload loan statements - AI calculates all monthly debt payments
  • ✓Ask AI Copilot: "What's the fastest way to improve my DTI for a home purchase?"
  • ✓Compare physician mortgage loans vs conventional loans for your situation
  • ✓Get personalized debt payoff strategies optimized for your specialty
  • ✓Track DTI improvement month-over-month with automatic statement uploads
  • ✓Calculate impact of bonuses and moonlighting income on DTI
  • ✓Export mortgage pre-qualification report to share with lenders
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