Debt-to-Income Ratio Calculator — Mortgage Qualification Tool

FREENo Sign-upInstant ResultsBrowser-Based

Debt-to-Income (DTI) Ratio Calculator

Enter your monthly debts and gross income to calculate your DTI ratio — the key number lenders check before approving any loan.

Gross Monthly Income (before taxes)

MONTHLY DEBT PAYMENTS

Mortgage / Rent ($)

Car Payment(s) ($)

Student Loans ($)

Credit Card Minimums ($)

Personal Loans ($)

Other Monthly Debts ($)

Runs entirely in your browser — no data sent anywhere. Explore all free tools · Etsy Shop ↗

Frequently Asked Questions

What DTI do I need for a mortgage?

Conventional loans: 36% or below is ideal, up to 45% with strong credit. FHA loans: up to 43% DTI allowed, up to 50% with compensating factors. VA loans: 41% guideline but flexible. Jumbo loans: typically 43% max.

Does rent count in DTI?

For mortgage applications, lenders use your PROPOSED mortgage payment (not current rent). For other loans, your current rent/mortgage counts as a monthly debt.