Debt-to-Income Ratio Calculator
Check your front-end and back-end DTI — the two numbers lenders use to approve mortgages.
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Your Results
Back-end DTI31.25%
Front-end DTI22.5%
Mortgage qualificationLikely ✓
Lenders prefer back-end DTI at or below 43% (28/36 guideline).
Frequently Asked Questions
What is a good DTI ratio?
Conventional loans generally want a back-end DTI under 43%; FHA loans allow up to 50% in some cases. Lower DTI also means better interest rates.
How can I lower my DTI?
Pay down credit card balances, extend loan terms to lower monthly payments, or increase income. Even a small balance payoff can push you under the threshold.
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