Calculate the front-end and back-end debt-to-income ratios lenders use to evaluate mortgages and personal loans.
Uses the standard front-end (housing) and back-end (total debt) DTI definitions used by US mortgage underwriters.
Debt-to-income (DTI) ratio is the single most important number lenders look at after credit score. It compares your monthly debt payments to your monthly gross income. This calculator shows both ratios lenders care about and rates your overall position from Excellent to High Risk.
Front-end DTI = (Housing payment ÷ Monthly gross income) × 100. Back-end DTI = ((Housing payment + Other monthly debts) ÷ Monthly gross income) × 100. Most conventional mortgages cap back-end DTI around 43%–50% with compensating factors.
A household earning $8,000/month gross with a $1,800 mortgage payment and $700 in other monthly debts has a front-end DTI of 22.5% and a back-end DTI of 31.3% — comfortably in the Good range for most lenders.
See the maximum home price you can responsibly afford based on income, debts, down payment, and current rates.
See exactly how long it will take to pay off any debt — and what the interest will cost you along the way.
Compare paying off multiple debts individually against rolling them into a single consolidation loan — monthly payment, total interest, and projected savings.
Estimate your monthly mortgage payment including principal, interest, property taxes, insurance, HOA, and PMI.
Most conventional loans require back-end DTI under 43%–45%. FHA loans sometimes allow up to 50% with compensating factors. Lower is always better.
No. DTI uses debt payments only — utilities, groceries, insurance premiums (other than escrowed homeowner's), and subscriptions don't count.
Pay down credit card balances, refinance a high-rate auto loan to a lower payment, or increase documented income. Avoid taking on any new debt before applying.
This calculator is for educational and estimation purposes only. It does not provide financial, mortgage, tax, investment, or legal advice. Actual rates, payments, taxes, fees, insurance costs, eligibility, and loan terms vary by lender, location, credit profile, and market conditions. Always compare official offers and consult a qualified professional before making financial decisions.
Last updated June 2026 · Prepared by the mCalculator Editorial Team