Debt-to-Income Ratio Calculator
Your DTI ratio, and how it compares to the lending thresholds banks actually use.
Every calculation runs locally in your browser. "Total monthly debt" means minimum payments on all debt — mortgage or rent, car loans, student loans, credit cards — not your full monthly spending.
Debt-to-income ratio
33.3%
Healthy
For informational and educational purposes only — not financial, investment, or tax advice, and not a substitute for consulting a qualified professional about your specific situation. TrueMeasureKit is not liable for decisions made based on these results. See our Terms of Service.
Why 43% is the number lenders care about
43% is the maximum debt-to-income ratio allowed under the CFPB's Qualified Mortgage rule for most standard home loans — cross it, and many conventional lenders won't approve the loan at all, regardless of credit score. 36% is the more conservative benchmark most financial advisors recommend staying under, since it leaves more room for an unexpected expense or income drop without becoming overextended. To see how DTI affects what home you can afford, see the home affordability calculator.
Frequently asked questions
What counts as "debt" in this calculation?
Recurring debt obligations: mortgage or rent, car loans, student loans, minimum credit card payments, and other installment loans. Everyday variable expenses like groceries or utilities are not included.
What's a good DTI ratio?
Most mortgage lenders prefer a back-end DTI (all debts) at or below 36%, though some loan programs allow up to 43–50%. Below 20% is generally considered very strong.
What's the difference between front-end and back-end DTI?
Front-end DTI counts only housing costs against income. Back-end DTI counts all recurring debt payments, including housing — it's the stricter, more complete figure lenders weigh most heavily.