Debt to Income — Free Online Calculator
DTI ratio. Free debt to income with instant results.
Last updated: 2026-06-01
DTI Guidelines: Under 28% housing = good. Under 36% total = excellent. Under 43% = may qualify for mortgages.
Monthly Finances
$
6.00 Thousand
Monthly Debt Payments
$
$
$
$
$
Your Debt-to-Income Ratio
Fair DTI
Your DTI is acceptable but higher than ideal. Some lenders may approve you.
Front-End DTI (Housing)25%
Target: Under 28%
Back-End DTI (Total)40%
Target: Under 36% (43% max for most loans)
Max Mortgage Payment at 28% DTI
$1,680/mo
Housing
Car
Credit Cards
Student Loans
Remaining Income
Recommendations
- • Consider paying down high-interest debt to improve your ratio.
DTI Requirements by Loan Type
| Loan Type | Max Front-End | Max Back-End | Notes |
|---|---|---|---|
| Conventional | 28% | 36-43% | Best rates under 36% |
| FHA | 31% | 43% | More flexible for first-time buyers |
| VA | N/A | 41% | Focus on residual income |
| USDA | 29% | 41% | Rural areas only |
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Related guides
- Debt-to-Income Ratio (DTI) Explained
How lenders calculate DTI, front-end vs back-end ratios, and tips to qualify for a mortgage.
- How Much House Can You Afford? Complete Guide
Calculate your home buying budget with the 28/36 rule, understand DTI ratios, and find your true affordability.