Debt-to-Income Calculator - The Real Money Guide®

Debt-to-Income Ratio Calculator

Your debt-to-income (DTI) ratio is a key financial metric used by lenders to evaluate your financial health. It represents the percentage of your gross monthly income that goes toward paying debts.

There are two types of DTI ratios: Front-end DTI (housing costs only) and Back-end DTI (all debt payments combined).

Income Information

Gross Monthly Income ($)

Before taxes and other deductions

Monthly Debt Payments

Select your debt types and enter monthly payment amounts. Housing costs are used to calculate your front-end DTI ratio.

Your DTI Results

Monthly Income:

$5,000.00

Total Monthly Debt:

$1,800.00

Front-End DTI

28.0%

Housing Costs Only

28% 36% 43%

Status: Excellent

Back-End DTI

36.0%

All Debt Payments

36% 43% 50%

Status: Good

Debt Breakdown

What Do Your Results Mean?

Front-end DTI typically focuses on housing costs compared to your income.

Excellent: Below 28%
Good: 28% – 35%
Fair: 36% – 42%
High: 43% or higher

Back-end DTI includes all debt payments compared to your income.

Excellent: Below 36%
Good: 36% – 42%
Fair: 43% – 49%
High: 50% or higher

Recommendations

Important Considerations:

Different lenders may have different DTI requirements for loan approval.
For most conventional loans, lenders prefer a front-end DTI below 28% and a back-end DTI below 36%.
FHA loans may allow higher DTI ratios (up to 31%/43% or sometimes higher).
This calculator is for educational purposes only and does not guarantee loan approval.