What is a good debt-to-income ratio?

Most mortgage lenders prefer a DTI of 36% or less. FHA loans may allow up to 43%. The lower your DTI, the better your odds of loan approval and favorable rates.

Debt-to-Income Ratio Calculator

Calculate monthly debt-to-income ratio.

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Monthly debt payments ($)

Gross monthly income ($)

Monthly housing payment ($)

Other monthly payments ($)

About This Calculator

Debt-to-income ratio (DTI) is the single most important number mortgage lenders use to evaluate borrowers. It compares your total monthly debt obligations to your gross monthly income. Most conventional lenders want a front-end ratio (housing only) below 28% and a back-end ratio (all debt) below 43%.

Estimates only — not financial, tax, legal, or investment advice. Verify important results with a qualified professional before making decisions.

DTI = (monthly debt + housing + other) ÷ gross monthly income × 100; total monthly obligations = debt + housing + other payments