Debt to Income Ratio Calculator - Mortgage DTI

Calculate back-end DTI from gross monthly income, housing, and recurring debts. Check mortgage qualification before you apply.

Enter gross monthly income, housing costs, other debt payments, and any additional monthly debts to see back-end DTI.

Debt to Income Ratio Calculator - Mortgage DTI
DTI = (housing + other debts + additional debts) / gross monthly income × 100

About the debt to income ratio calculator

Debt-to-income (DTI) is the share of gross monthly income that already goes to recurring debt. Mortgage underwriters split it into front-end DTI (housing only) and back-end DTI (housing plus other debts). The debt to income ratio calculator computes the back-end figure that most loan officers quote: housing expenses plus other debt payments plus any additional monthly debts, divided by gross monthly income. DTI = (housing + debts + additional) / income × 100. $6,000 gross income, $1,800 housing, and $400 other debts is 36.67%. $8,000, $2,000, and $500 is 31.25%. $5,000, $1,500, $700, and $100 additional is 46.00%. Conventional programs often look for back-end DTI near or below 36% to 43%; FHA and some automated underwriting paths allow higher with compensating factors. A 46% result is a warning, not an automatic denial. Housing should include the proposed or current rent or PITI (principal, interest, taxes, insurance) and HOA if applicable. Other debts include minimum credit-card payments, auto loans, student loans, and court-ordered support as the lender counts them. Additional is a place for a co-signed note, a business payment, or a debt the first two fields missed. Gross income is before tax; do not enter take-home pay or you will overstate DTI. Lenders may exclude a debt with few remaining payments, or count a student loan at a percent of balance when no payment is on the credit report. Self-employed income may be averaged over two years. Those overlays are not inside the arithmetic. Front-end DTI is housing / income only; leave other debts at zero if you want that view, or mentally drop them from the result. Recalculate when income, rent, or a car payment changes, and before you add a new installment loan that would land on the credit report. Paying down revolving balances only helps DTI if the minimum payment falls. The ratio does not measure credit score, reserves, or property type — it is one gate among several. Use the debt-to-income calculator to test a mortgage payment before you make an offer.

Debt-to-income ratio examples

Back-end DTI is all listed monthly debts divided by gross monthly income.

InputsDTINote
$6,000 income; $1,800 housing; $400 other debts36.67%A common conventional back-end target zone.
$8,000 income; $2,000 housing; $500 other debts31.25%More income relative to debts; stronger qualification picture.
$5,000 income; $1,500 housing; $700 debts; $100 additional46.00%Above many conventional guidelines; may need a different program or less housing.

How to calculate debt-to-income ratio

  1. Enter gross monthly income before tax, using the amount a lender would count.
  2. Enter housing expense (rent or proposed PITI and HOA).
  3. Enter other recurring debt payments and any additional monthly debts.
  4. Select Calculate DTI and compare the percent with the loan program’s maximum.

Debt-to-income ratio FAQ

What DTI do mortgage lenders want?

Many conventional files aim for back-end DTI at or below about 36% to 43%. FHA, VA, and automated underwriting can allow higher with strong compensating factors. Ask the program, not a single internet cutoff.

Is this front-end or back-end DTI?

Back-end: housing plus other debts plus additional. Front-end is housing divided by income only. Set other debts and additional to zero if you want a front-end view.

Should I use net or gross income?

Use gross monthly income. Net (take-home) pay is smaller, so DTI would look worse than the underwriter’s ratio and is not how QM and GSE guidelines are written.

Do credit-card balances count at the full balance?

No. Underwriters usually count the reported minimum payment, not the whole balance. Paying down the card helps DTI only if that minimum falls on the next report.

Are utilities and groceries included?

No. DTI is recurring debt payments, not a household budget. Utilities, food, and childcare matter for residual-income tests (especially VA) but are not in this ratio.