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Debt-to-Income Ratio
Calculate DTI ratio
How It Works
Free debt-to-income (DTI) ratio calculator to measure the percentage of gross income that goes toward debt payments.
The debt-to-income (DTI) ratio is a personal finance measure that compares an individual's monthly debt payments to their gross monthly income. Lenders use DTI ratios to assess a borrower's ability to manage monthly payments and repay borrowed money.
There are two types of DTI ratios. The front-end ratio considers only housing-related expenses (mortgage or rent, property taxes, insurance, HOA fees). The back-end ratio includes all debt payments, such as credit cards, auto loans, student loans, and other obligations.
Most lenders prefer a front-end DTI of 28% or less and a back-end DTI of 36% or less. A DTI above 43% may make it difficult to qualify for a mortgage. Maintaining a low DTI ratio is important for financial health and borrowing capacity.
Results
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Quick Tips
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