Debt-to-Income Ratio Calculator
Calculate your DTI ratio to see if you qualify for a mortgage or loan.
DTI Thresholds
| DTI | Rating |
|---|---|
| Below 20% | Excellent |
| 20–35% | Good |
| 36–43% | Acceptable |
| 44–50% | High |
| Above 50% | Very High |
Most mortgage lenders require DTI ≤ 43%.
FAQs
For mortgage qualification, most lenders want a DTI of 43% or less (front-end + back-end). A DTI below 36% is considered good. Below 20% is excellent and qualifies for the best loan rates.
Front-end DTI only includes housing costs (mortgage payment, taxes, insurance) as a percentage of income. Back-end DTI includes all monthly debt payments. Lenders look at both, but back-end is more critical.