What DTI do lenders allow?

Many mortgages allow up to 43% or 50% DTI. Lower is better. Some programs allow higher with compensating factors. This calculator shows max affordable debt at 43% and 50%.

Debt-to-Income Ratio Calculator

Free debt-to-income ratio calculator. Get instant results — no signup, no account. Plan and compare with confidence.

Use the Debt-to-Income Ratio Calculator below.

Calculate your debt-to-income ratio (DTI). Enter monthly debt payments and gross monthly income. Lenders often cap DTI at 43% or 50%. See if you are within limits.

So nutzen Sie Debt-to-Income Ratio Calculator

Enter monthly debt
Sum of all monthly debt payments.
Enter gross income
Gross monthly income (before tax).
View DTI
See your DTI % and lender benchmarks.

Funktionen

Instant results — no waiting or signup.
Free to use — no hidden fees.
No login or account required.
Works on all devices — desktop, tablet, and mobile.
Your data stays private — we do not store your inputs.

Warum diesen Rechner nutzen

Plan your finances with accurate estimates.
Compare scenarios in seconds.
Make informed decisions before you borrow or invest.

Unterstützte Browser und Geräte

All modern browsers (Chrome, Firefox, Safari, Edge).
Mobile-friendly — use on phone or tablet.
No app download — runs in your browser.

Häufig gestellte Fragen

Vollständige Anleitung zu Debt-to-Income Ratio Calculator

What is debt-to-income ratio (DTI)?

Debt-to-income ratio is your monthly debt payments divided by your gross monthly income, expressed as a percentage. Lenders use it to judge whether you can afford more debt. A lower DTI is better. Many mortgages require DTI below 43% or 50%; some programs allow higher with strong credit or reserves.

What counts as monthly debt?

Mortgage or rent, car loans, student loans, personal loans.
Minimum monthly payments on credit cards and other revolving debt.
Child support, alimony, or other court-ordered payments if applicable.
Do not include utilities, insurance, groceries, or non-debt expenses unless the lender specifically asks.

Front-end vs back-end ratio

Front-end DTI is housing cost (PITI) divided by gross income — often capped at 28–31%. Back-end DTI is all debt payments divided by gross income — often capped at 43–50%. This calculator uses back-end (all debt) DTI.

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