Lenders use your debt-to-income (DTI) ratio to decide if you can afford a loan. Enter your monthly housing payment, other debts, and gross income to see your front-end and back-end DTI.
Estimates only. This tool is provided for educational purposes and is not financial advice. It models the figures you enter — it does not know your credit terms, local taxes, or fees. Talk to a licensed adviser before making a decision.
$1,800 housing, $600 other debt, $6,000 gross monthly income.
Back-end DTI: 40.0% (front-end 30.0%). Most lenders want back-end DTI at or below 43%.
Debt-to-income ratio = total monthly debt payments ÷ gross monthly income. The front-end ratio counts only housing; the back-end ratio counts all debts. Lenders favor a back-end DTI of 36% or lower, with 43% the usual hard cap for a qualified mortgage.
DTI = (Monthly debt payments ÷ Monthly gross income) × 100
What DTI do I need to buy a house?
Most conventional loans want back-end DTI ≤ 43%, ideally ≤ 36%. FHA allows up to 50% in some cases.
Does DTI include my credit-card minimums?
Yes — report the minimum monthly payment, not your full balance, for each card.
Gross or net income?
Gross (before taxes). Lenders always use gross income for DTI.