Debt-to-Income (DTI) Ratio Tool

Calculate your front-end and back-end DTI ratios to understand your financial health and borrowing power.

1. Monthly Income

Your total pre-tax earnings (salary, bonuses, investments, etc.)
$

2. Monthly Housing Expenses

Principal, interest, taxes, and insurance (PITI)
$
If not included in your mortgage payment
$

3. Other Monthly Debt Obligations

Total minimum monthly payments due across all cards
$
Monthly car or vehicle lease payments
$
Total monthly student loan payments
$
Personal loans, child support, alimony, etc.
$

Your Results

Front-End DTI (Housing Only)
0.0%
Back-End DTI (Total Debt)
0.0%
0% Good (<36%) Max (43%) 100%
Enter your income to begin

Lenders look at your Debt-to-Income ratio to assess your ability to manage monthly payments safely.


Financial Summary Breakdowns

Gross Monthly Income $0.00
Total Housing Expenses $0.00
Total Other Debt Obligations $0.00
Total Combined Debt Payments $0.00