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Debt-to-income (DTI) calculator
DTI is the metric most lenders use to qualify you. Run yours before applying — and know which tier you land in.
Monthly debt payments
Back-end DTI
38.8%
- Front-end DTI (housing only)27.5%
- Total monthly debt$3,100.00
- Gross monthly income$8,000.00
Headline
Borderline — at conforming-loan limits. With $8,000.00/mo gross income and $3,100.00/mo in debt payments, your back-end DTI is 38.8%.
- Conforming mortgages: typically capped at 43-45% back-end.
- FHA loans: capped at 50% back-end with compensating factors.
- Personal loans: most online lenders cap at 40-50%.
Find lenders that match your DTI
Soft-pull pre-qualification across personal loans, mortgages, and auto.
- DTI is the silent gatekeeper
Credit score gets the attention but debt-to-income decides plenty of declines. Most lenders cap mortgage front-end at 28%, back-end at 43-45%.
- Two ratios, not one
Front-end DTI = housing only ÷ gross income. Back-end DTI = all monthly debt ÷ gross income. Lenders look at both.
- Gross, not net
DTI uses gross income (pre-tax). Don't use take-home — you'll calculate a higher DTI than the lender will and over-qualify yourself out of contention.