Calculate Your DTI Ratio
Enter your monthly income and debts
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Monthly Debt Payments
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DTI FAQ
What is a good DTI ratio?
Under 36% is considered good. Under 28% for housing alone (front-end) is ideal. 43% is the maximum for most qualified mortgages.
What's the difference between front-end and back-end DTI?
Front-end DTI only includes housing costs. Back-end DTI includes all monthly debts (this calculator shows back-end).
Based on CFPB Qualified Mortgage standards and lender guidelines 2026