Calculate your front-end and back-end debt-to-income ratios and see how lenders view your borrowing capacity.
Informational only — not financial advice. This calculator provides general estimates for educational purposes and does not account for every factor in your situation. It is not financial, investment, tax, or legal advice. Figures are estimates and may not reflect current rates. Consult a qualified professional before making financial decisions.
Your debt-to-income ratio (DTI) is the share of your gross monthly income that goes to debt payments. Lenders use it to judge whether you can afford a new loan. There are two versions: the front-end ratio counts only housing costs, and the back-end ratio counts all monthly debt.
This calculator computes both from your income and payments. As a rule of thumb, keep front-end DTI at or below 28% and back-end at or below 36%; many qualified mortgages allow back-end up to 43%, and some programs stretch to 50% with strong credit and reserves.
Because DTI is a ratio, you can improve it two ways: raise income or cut monthly debt. Paying off a car loan or a credit card often does more for your mortgage eligibility than a bigger down payment, since it frees up back-end room. See how much house you can afford to connect DTI to a price.