Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio to assess financial health and loan eligibility.
Google ad
Google ad
Google ad
Popular Calculators
- Age Calculator
- Molarity Calculator
- Dilution Calculator (C₁V₁ = C₂V₂)
- Grade Calculator
- Days Between Dates
- Car Loan Calculator
- Percentage Change
- Compound Interest Calculator
- Percentage Calculator
- Mortgage Calculator
- Inflation Calculator
- Discount Calculator
- Loan EMI Calculator
- ROI Calculator
- Credit Card Payoff Calculator
FAQs
What DTI ratio do mortgage lenders require?
Most conventional mortgage lenders prefer a DTI below 36%, with no more than 28% going toward housing costs. FHA loans allow up to 43% DTI. Some lenders approve loans up to 50% DTI with strong compensating factors.
What is the difference between front-end and back-end DTI?
Front-end DTI includes only housing costs (mortgage/rent + taxes + insurance) as a percentage of income. Back-end DTI includes all debt payments. Mortgage lenders typically look at both, but the back-end DTI is the more commonly cited figure.
How do I improve my DTI ratio?
Increase income, pay down existing debts (starting with the highest payment-to-balance ratio), avoid taking on new debt before applying for a loan, and consider debt consolidation to reduce monthly payments.