Debt-to-Income Ratio Calculator
Calculate your front-end and back-end debt-to-income (DTI) ratio — the single number lenders lean on most heavily to decide how much they’ll let you borrow. Enter each housing and debt line item separately for an accurate total, and see where you land against the common conventional, FHA, and VA guideline thresholds.
See our Mortgage Affordability Calculator to turn your DTI into a maximum loan amount, or all our calculators.
Glossary
Front-end DTI counts only your housing payment (principal, interest, taxes, insurance, HOA/maintenance, and PMI) against income. Back-end DTI adds every other recurring debt — credit cards, auto loans, student loans, personal loans. Lenders weigh back-end DTI most heavily.
A co-op’s monthly maintenance already bundles in the building’s underlying mortgage, real estate taxes, and operating costs into one number — unlike a condo, which pays HOA/common charges and property taxes separately. Use maintenance instead of the HOA and property tax fields if you’re evaluating a co-op, not in addition to them.
Any recurring, reported minimum payment: credit cards, auto loans, student loans, personal loans, and alimony/child support. Utilities, groceries, and subscriptions are not counted — DTI only looks at debt, not general living expenses. Note that lenders and co-op boards can treat student loans, credit cards, and car payments differently from each other in underwriting.
Each loan type sets its own ceiling, and individual lenders can be more or less flexible within it based on your credit score, reserves, and compensating factors. A strong credit score and healthy cash reserves can push an approval above the “typical” ceiling; a thin file can push it below.