π° Debt-to-Income (DTI) Ratio Calculator
Quickly calculate your debt-to-income (DTI) ratio and understand your loan eligibility. A key metric banks use for mortgage and auto loan approvals.
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Pre-tax monthly income (salary, bonus, other)
π³ Monthly Debt Payments
Child support, alimony, etc.
π Backend DTI (All Debts)
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Enter data to calculate
π Frontend DTI (Housing Only)
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Enter data to calculate
π΅ Monthly Disposable
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Income - All Debts
π Total Monthly Debt
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Sum of all monthly payments
π DTI Rating Standards
Backend DTI (All Debts / Income)
- β€ 36% β π’ Excellent: easiest loan approval
- 36-43% β π‘ Acceptable: most banks approve
- 43-50% β π High: some lenders may approve
- β₯ 50% β π΄ High Risk: very difficult to qualify
Frontend DTI (Housing / Income)
- β€ 28% β π’ Ideal
- 28-36% β π‘ Acceptable
- β₯ 36% β π΄ Housing burden is high