Keep this scenario with a contact
← All calculators

Debt-to-income (DTI) calculator

Lenders look at two ratios: front-end (just your housing payment vs. income) and back-end (all your monthly debts vs. income). Use the planning ratios below to explore your budget; DTI alone cannot establish eligibility or pricing.

Your monthly income

Your monthly debts

Back-end DTI
34.6%
all debts ÷ income
Front-end DTI
27.2%
housing only ÷ income
Total monthly debts
$4,220
housing + non-housing
Total monthly income
$12,500
borrower + co-borrower
Strong DTI ✓
DTI is one planning input; credit, verified income, reserves and program rules also matter.
Room for more housing$2,000/mo
extra housing payment you could absorb at 43% back-end
Theoretical max housing$5,375
at 43% back-end DTI, minus non-housing debts
Review my options →

Lenders use specific definitions of "monthly debt" — minimum payments only, some excluded if <10 months remaining, certain installment debts excluded with sufficient assets. This calculator gives you a ballpark; we'll do the precise calc when you apply.