Loan Type
Conventional
FHA
VA
USDA
Front-End Limit28%
Back-End Limit36%
Max Back-End43%
Gross Monthly Income
$
$
Housing Costs (Front-End)
$
$
$
$
Monthly Debt Payments (Back-End)
$
$
$
$
$
$
📊
28/36 Rule
Conventional loans use the 28/36 rule: front-end ≤28%, back-end ≤36% for best approval odds.
💡
Gross vs Net Income
DTI always uses gross (pre-tax) monthly income — not your take-home pay.
🎯
Under 43% Goal
Most lenders cap back-end DTI at 43%. Under 36% qualifies you for the best rate offers.
🚫
Excluded Costs
Utilities, groceries, and subscriptions are NOT included in DTI — only recurring debt payments.
📊
Ready to calculate
Enter your monthly income, housing costs, and debt payments on the left, then click Calculate My DTI Ratio to see your debt-to-income ratio, loan eligibility, and a personalized improvement plan.
Your DTI Analysis
Back-End Debt-to-Income Ratio
— Back-End DTI —
Front-End DTI
—
Housing costs only
Back-End DTI
—
All monthly debts
DTI Assessment: —
Gross Income
—
Monthly (pre-tax)
Total Monthly Debts
—
All obligations
Housing Costs (PITI)
—
Front-end total
Other Debts
—
Non-housing obligations
Income Remaining
—
After all debt payments
Max New Debt OK
—
To stay under 43% DTI
Loan Program Eligibility
Conventional Loan
Back-end limit: 43% • Front-end: 28%
FHA Loan
Back-end limit: 50% • Front-end: 31%
VA Loan
Back-end preferred: 41%
USDA Loan
Back-end limit: 44% • Front-end: 29%
Debt Breakdown
Disclaimer: This calculator provides estimates for educational purposes only. DTI requirements vary by lender, loan program, credit score, and compensating factors. Results do not constitute a loan offer or guarantee of approval. Consult a licensed mortgage professional before making any financial decisions.