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30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|
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Debt-to-Income Ratio Calculator

Calculate your DTI ratio to see how much house you can afford. Most lenders require DTI below 36-43%.

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Your Monthly Debts

DTI Gauge

0%28%36%43%60%
<28% 28-36% 36-43% >43%

Your DTI Ratio

33.8%
Good

Most lenders will approve you

DTI Breakdown

Monthly Income:$8,000
Total Monthly Debts:$2,700
36% DTI Max:$2,880/mo
Remaining Capacity:$1,980
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Max Affordable Mortgage

Calculate the maximum mortgage you can afford based on your income and target DTI.

Most lenders cap at 36% or 43%

Max Monthly Housing

$1,980

per month

Max Loan Amount

$313,257

principal

Non-Mortgage Debts

$900

monthly obligations

Calculation: Max Housing = (Income × DTI%) − Non-Mortgage Debts. Loan amount derived from standard amortization formula.

This is an estimate. Actual approval depends on credit score, down payment, and lender requirements.

How to Calculate Your Debt-to-Income Ratio

  1. Step 1: Enter your gross monthly income — use your pre-tax income from all sources before any deductions.
  2. Step 2: Enter your housing payment — include your mortgage or rent, plus any property taxes and homeowners insurance if they are escrowed.
  3. Step 3: Enter your other monthly debts — add car payments, student loans, credit card minimums, and any other recurring debt obligations.
  4. Step 4: Adjust the target DTI and interest rate — set your desired DTI threshold (36% for conventional loans, 43% for FHA) to see your max affordable mortgage.
  5. Step 5: Review your DTI gauge and breakdown — check your DTI percentage against lender thresholds and see exactly how much you can borrow.

What Is a Debt-to-Income Ratio?

Your debt-to-income (DTI) ratio compares your total monthly debt payments to your gross monthly income. Lenders use this percentage to determine how much mortgage you can afford and whether you qualify for a loan.

How Does the DTI Calculator Work?

Our calculator adds up all your monthly debts — mortgage, car loans, student loans, credit cards — and divides them by your gross monthly income. The result shows your DTI percentage and which lending threshold you fall into.

Why Use Our DTI Calculator?

  • Instantly see your DTI ratio and lender qualification status
  • Understand how different debt levels affect your borrowing power
  • Get actionable tips for lowering your DTI before applying for a mortgage

Understanding DTI Ratio Rules

📏

The 28% Rule

Housing costs (mortgage + taxes + insurance) should not exceed 28% of gross monthly income.

📊

The 36% Rule

Total debt payments (housing + all other debts) should stay below 36% of gross monthly income.

🏛️

FHA Exception

FHA loans allow DTI up to 43% (sometimes 50% with compensating factors like high credit score).

Tips for Lowering Your DTI

  • ✓ Pay off credit cards first — highest impact per dollar
  • ✓ Don't take on new debt before applying for a mortgage
  • ✓ Consider increasing income (side job, raise)
  • ✓ Extend loan terms to lower monthly payments (but pay more total interest)
  • ✓ Use our Affordability Calculator to find your price range