Debt-to-Income (DTI) Calculator

Estimates only — your lender's disclosure governs. LoanMatchers is not a lender. Rates and terms vary by lender and creditworthiness. This page provides general educational information, not financial advice — consult a qualified professional before making financial decisions.

How it works

Front-end DTI = housing ÷ gross monthly income. Back-end DTI = (housing + all other recurring debts) ÷ gross monthly income. Use gross (pre-tax) income, as lenders do.

Frequently asked questions

What is front-end vs. back-end DTI?

Front-end counts housing costs only; back-end adds car payments, student loans, minimum card payments, and similar recurring debts.

What DTI do mortgage lenders want?

36% or below is comfortable for most lenders; 37–43% is often accepted; 44–49% is high; 50%+ is very high and rarely approved.

Which debts count?

Recurring minimums: housing, auto, student, and minimum credit-card payments. Groceries, utilities, and subscriptions generally do not count.

How can I lower my DTI?

Pay down revolving balances, avoid new installment debt before applying, or raise qualifying income — the ratios update instantly above as you experiment.