Debt to Income Ratio Calculator
Measure housing and total debt payments as a share of gross income, the way a lender will.
Free · No sign-up · Your inputs stay in your browser
Your numbers
Measure your debt load
Your projection
35.9% debt-to-income
Housing ratio
25.3%
Total debt ratio
35.9%
Room under 36%
$10
Monthly debt
$2,690
Lenders set their own limits. The CFPB points to 43% as a common ceiling for a qualified mortgage, and many lenders prefer 36% or less. DTI ignores taxes, childcare and savings, so a ratio a lender accepts can still be tight.
About this tool
Method, assumptions, practical next steps, and limits.
The number lenders look at
Debt-to-income, or DTI, compares required monthly debt payments with gross income. Mortgage lenders use it to decide how much you can borrow, and it is a quick test of how much of your income is already committed.
How the calculation works
Housing ratio = housing payment ÷ gross monthly income
Total DTI = (housing + all other debt payments) ÷ gross monthly income
With $7,500 of gross monthly income, a $1,900 housing payment and $790 of car, student loan and card payments, the housing ratio is 25.3% and total DTI is 35.9%. That leaves $10 of room under a 36% limit.
What it ignores
DTI uses gross income and leaves out taxes, childcare, insurance and saving. The CFPB describes 43% as a common ceiling for qualified mortgages, and many lenders prefer 36% or less, but a ratio a lender approves can still be tight on take-home pay.
