Debt to Income Ratio Calculator
Calculate DTI: monthly debt payments ÷ gross income. 28/36 rule.
Use the Debt to Income Ratio Calculator
Enter gross income and debt payments. DTI ratio is calculated.
Inputs
Monthly gross income and debt payments.
Results
DTI ratio
31.67%
Front-end ratio
25%
Total debt payments
$1,900
28/36 rule: front-end < 28%, back-end < 36%. Lenders prefer DTI under 43%.
How this calculator works
Enter monthly gross income, mortgage/rent, and other debt. DTI and front-end ratio are calculated.
How to interpret your results
Lower DTI improves loan approval odds. Pay down debt or increase income to improve.
FAQs
What is DTI?▾
Debt-to-Income ratio. Monthly debt payments ÷ monthly gross income. Lenders use it for loan approval.
What is the 28/36 rule?▾
Housing should be under 28% of income; total debt under 36%. Guidelines for mortgage qualification.
What is a good DTI?▾
Under 36% is generally good. Under 43% often required for qualified mortgages.
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