Intergtm

Debt-to-Income Ratio Calculator

Understand how lenders view your monthly debt obligations relative to gross income — a key qualifier for mortgages and loans.

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Principal + interest + taxes + insurance

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Back-end DTI (total debt / income)

33.1%

Good

Detailed results
Front-end DTI (housing / income)22.5%
Total monthly debt payments$2,650
Max additional debt at 43% DTI$790
Qualifies for conventional loan guidelines (1=yes)1

What this result means

Back-end DTI (total debt / income): 33.1%.

Your back-end DTI is 33.1% (front-end: 22.5%). Conventional lenders generally require back-end ≤ 43% and front-end ≤ 28%.

DTI Breakdown

Contribution of each debt category to the total DTI.

DTI Breakdown. 5 rows, first 5 shown.
Debt CategoryMonthly PaymentDTI Contribution (%)
Housing (PITI)$1,80022.5%
Car payment(s)$4505.6%
Student loans$3003.8%
Credit card minimums$1001.3%
Other debts$0.000%

How this is calculated

Back-end DTI = (all monthly debt payments / gross monthly income) × 100. Front-end DTI = (housing payment / gross monthly income) × 100.

The debt-to-income ratio (DTI) is one of the most important numbers in mortgage lending. It compares your total monthly debt obligations to your gross monthly income.

Front-end vs back-end. The front-end DTI (also called the housing ratio) includes only housing costs: principal, interest, property taxes, homeowners insurance, and HOA fees (PITI + HOA). The back-end DTI adds all other recurring debt payments — car loans, student loans, credit card minimums, and personal loans.

Lender guidelines. Conventional loans (Fannie Mae/Freddie Mac) generally require back-end DTI ≤ 43% and front-end ≤ 28%, though compensating factors (large down payment, excellent credit) can allow higher ratios. FHA guidelines are more lenient at 50%/31%.

Why DTI matters for non-mortgage decisions. Auto lenders and personal loan providers also use DTI to gauge risk. Keeping your DTI below 36% generally keeps you in the "good" range for most consumer lending.

Assumptions

  • Gross (pre-tax) monthly income is used, consistent with standard lending practice.
  • Housing payment includes PITI (principal, interest, taxes, insurance) per user entry.
  • Conventional loan threshold: front-end ≤ 28%, back-end ≤ 43% (standard underwriting guideline).
  • FHA threshold: front-end ≤ 31%, back-end ≤ 50% (standard guideline — individual lender overlays may differ).
  • All debt payments are assumed fixed minimums; actual qualification depends on full underwriting.

Frequently asked questions

›What counts as debt for DTI purposes?

Installment loans (car, student, personal), minimum credit card payments, and your housing payment. Utilities, subscriptions, insurance premiums, and groceries are not included.

›Does DTI affect my credit score?

DTI itself is not a credit score factor, but the underlying debts (utilization, payment history) affect your score. High DTI signals repayment risk to lenders even if your score is good.

›What DTI do I need for a conventional mortgage?

Fannie Mae/Freddie Mac generally allow up to 43% back-end DTI with standard underwriting, or up to 50% with strong compensating factors (significant reserves, low LTV, high credit score).

›Should I pay down debt before applying for a mortgage?

If you're near the 43% limit, eliminating a car payment or credit card balance can move you below the threshold and may also improve the interest rate you're offered.

›Is gross or net income used?

Lenders use gross (pre-tax) income. This is why a 43% DTI feels more stressful than it sounds — you pay taxes on top of your debt obligations from that gross income.

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