Debt-to-income Ratio Calculator
Lenders gauge borrowing risk with the debt-to-income ratio. Enter your gross income and all monthly obligations to get your front-end (housing) and back-end (total debt) DTI, with a color-banded verdict against conventional, FHA and VA thresholds.
TheCalculators — Debt-to-income Ratio Calculator
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Back-End DTI Ratio
33.0%
Acceptable — conventional 28/36 threshold
- Gross Monthly Income
- $5,000.00
- Housing Costs / Month
- $1,200.00
- Other Debt / Month
- $450.00
- Total Debt / Month
- $1,650.00
- Front-End Ratio (housing)
- 24.0%
- Back-End Ratio (all debt)
- 33.0%
Back-end DTI classification
33.0%
Acceptable
Monthly obligations
- Rent / Mortgage$1,200
- Taxes / HOA / Insurance$0
- Credit Cards$200
- Auto Loan$250
- Student Loan$0
- Other$0
Lender guides: conventional loans follow the 28/36 rule, FHA allows 31/43, and VA looks for a back-end ratio under 41%. Lower is always better — paying down a car loan or card balances can transform your qualification.
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Formula
Front-end = monthly housing costs ÷ gross monthly income × 100; Back-end = (housing + all debt) ÷ gross monthly income × 100
Pro tips
- • Credit cards count at their minimum payment, not your balance.
- • Pay off the smallest monthly obligation first to cut the ratio fastest per dollar.
- • Lenders also weigh credit score and savings — DTI is necessary but not sufficient.
FAQ
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