Debt-to-Income (DTI) Calculator

Estimate your front-end and back-end debt-to-income ratios and see how they compare to common mortgage guidelines. This is a planning tool — real approvals depend on the full file.

Enter Your Numbers

Before taxes & deductions.
Include principal & interest, taxes, insurance, PMI, and HOA.
Car loans, student loans, credit cards, personal loans, etc.
VA/USDA may weigh residual income and overall risk beyond a single ratio.

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