DTI Calculator
Calculate your debt-to-income ratio to see how lenders evaluate your financial health.
Your Financial Information
Monthly: $6,250
Monthly Housing Expenses
Leave 0 if none
Monthly Debt Payments
Personal loans, child support, etc.
Your DTI Analysis
fair DTI Ratio
Fair DTI ratio. You may qualify for some loan programs with compensating factors.
Monthly Income
$6,250
Total Monthly Debts
$2,750
Housing Expenses
$1,900
Used for front-end DTI
Other Debts
$850
Added for back-end DTI
Common DTI Requirements
Your DTI ratio: 44%
A lender can help you explore options that work with your debt profile.
Disclaimer: DTI calculations are based on the information you provide. Lenders may use different criteria and verify income/debts during underwriting.
Frequently Asked Questions
What is a good debt-to-income ratio?
A DTI below 36% is considered good by most lenders. Excellent is below 28% for housing expenses (front-end) and below 36% total (back-end). FHA loans allow up to 43% back-end DTI, and some lenders go higher with compensating factors.
What DTI do I need for a mortgage?
Conventional loans typically require a DTI of 43% or less. FHA loans may allow up to 50% with strong compensating factors like high credit scores or significant cash reserves. VA loans are more flexible with DTI requirements.
How do I lower my DTI ratio?
Lower your DTI by paying down debt (especially credit cards and car loans), increasing your income, or both. Avoid taking on new debt before applying for a mortgage. Even small reductions can help you qualify for better rates.
What debts are included in DTI?
DTI includes monthly debt payments like car loans, student loans, credit card minimum payments, personal loans, alimony, and child support. It does not include utilities, insurance, groceries, or other living expenses.