Will you qualify for a mortgage? See your DTI, conventional/FHA/VA status & how much to pay down.
Pre-tax (gross), not take-home. Annual salary? Divide by 12.
Proposed mortgage incl. taxes, insurance, HOA, PMI — or current rent.
In deferment or $0 bill? Lenders often impute 0.5%–1% of the balance (a $50k balance ≈ $250–500/mo). Enter what the lender will count.
Personal loans, child support/alimony paid, co-signed loans. Not utilities, groceries, or insurance.
For the payoff goal. 43% benchmark · 36% conservative · 50% ceiling.
Educational estimate — not a pre-approval. This is not a lending decision, financial, tax, or legal advice. Actual qualification depends on your credit score, reserves, loan-to-value, property type, employment history, and the lender's Automated Underwriting System (DU/LP/TOTAL) findings — none of which this tool can see. DTI uses your gross (pre-tax) income and the minimum required payment on each debt, not net income and not what you actually pay. All math runs in your browser — nothing you enter is sent anywhere.
The DTI calculator computes the two ratios mortgage underwriters use: your back-end DTI (all monthly debt payments ÷ gross monthly income) — which is what a lender means by "your DTI" — and your front-end (housing) ratio (housing payment alone ÷ income). It then tests you against conventional, FHA, and VA thresholds and tells you exactly how much monthly debt to eliminate (or income to add) to reach your target.
Gross income $6,000/mo. Housing (PITIA) $1,800, auto $400, student loans $250, card minimums $150, other $100.
Back-end DTI = (housing + auto + student + cards + other) ÷ gross income × 100. Front-end = housing ÷ gross income × 100. To hit target T: debtToEliminate = max(0, totalDebt − (T/100 × income)), and incomeNeeded = totalDebt ÷ (T/100) − income. We compare on the unrounded value, then round only for display, so a 42.96% never flips a PASS to a FAIL.
<iframe src="https://snaptoolsuite.com/debt-to-income-ratio-calculator/?embed=1"
style="width:100%;max-width:560px;height:1180px;border:0;"
title="Debt-to-Income Ratio Calculator" loading="lazy"></iframe>
<p>Free <a href="https://snaptoolsuite.com/debt-to-income-ratio-calculator/">DTI Calculator</a> by Snap Tool Suite</p>See it live: view a real embed example →
Lenders generally want back-end DTI at or below 43%. Conventional loans allow up to 50% through automated underwriting, FHA up to roughly 50-57% with compensating factors, and VA uses 41% as a guideline. A 36% back-end with a 28% housing ratio is considered comfortable.
Gross (pre-tax). Using net income makes your ratio look worse than the lender's and causes false self-denials. This is the most common mistake.
Minimum monthly payments on housing (full PITIA), auto loans/leases, student loans, credit card minimums, and other contractual debt (personal loans, co-signed loans, child support/alimony paid). Not utilities, groceries, phone, insurance, or medical bills outside collections.
No. DTI uses the minimum required payment, not what you pay. Only eliminating the payment (paying off or closing) changes the ratio.
No — it's a benchmark. The legacy QM 43% hard cap was replaced by the CFPB with price-based thresholds in 2021. Approval also hinges on credit, reserves, LTV, and AUS findings.
Enough that your total monthly payments drop to (target % × gross income). The tool shows the exact monthly payment to eliminate, or the extra gross income that would get you there instead.
Everything is calculated in your browser. We don't store or sell your data.