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Read guide →DTI Calculator
Debt-to-income ratio with a clear rating.
⚖️ DTI Calculator
Your debt-to-income ratio
%
Lenders generally prefer a total DTI of 36% or less; many mortgage programs allow up to 43–50% with compensating factors.
How to Use
- Enter your monthly gross income.
- Enter your housing payment and other monthly debt.
- Read your DTI ratio and lender rating.
Calculation Method
DTI = (total monthly debt payments ÷ gross monthly income) × 100. Total debt includes housing (rent/mortgage), loans, and minimum card payments. Lenders typically prefer ≤ 36%; many mortgages allow up to 43–50% with strong compensating factors.
Examples
$6,500 income, $1,500 housing, $600 other
DTI = ($2,100 ÷ $6,500) ≈ 32% — within the “Good” range for most lenders.
Frequently Asked Questions
A back-end DTI of 36% or lower is ideal; qualified mortgages often cap around 43%, with some programs allowing higher.
Yes — your current housing payment (rent or mortgage) is part of the debt total lenders evaluate.
Pay down balances, avoid new debt, or increase income. Even small reductions in monthly obligations move the ratio.
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Read guide →Disclaimer
Calculations are estimates based on the information you provide. Actual loan terms, rates, and payments vary by lender, credit score, and other factors. SmartLoanCalcs is not a lender and this is not a loan offer. We are not responsible for decisions made based on these calculations — consider consulting a licensed lender or financial advisor.
Last updated: May 24, 2026