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Debt-to-Income Calculator - DTI Ratio
Free debt-to-income calculator. Calculate your DTI ratio for mortgage qualification. See how lenders view your debt load.
Debt-to-Income Calculator
Calculate your DTI ratio
Your DTI
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and click the "Calculate" button
Debt-to-Income Calculator
Calculate your DTI ratio - a key factor lenders use for mortgage and loan approval. Lower is better.
DTI Formula
DTI = (Total Monthly Debt / Gross Monthly Income) × 100
Front-end DTI: housing only (ideal <28%). Back-end DTI: all debts (ideal <36%, max usually 43%).
Frequently Asked Questions
What DTI do I need for a mortgage?
Ideal: <36%. Acceptable: <43%. FHA allows up to 50% in some cases. Lower DTI = better rates.
How can I lower my DTI?
Pay off debts, increase income, avoid new loans, or refinance to lower payments. Don't close old credit cards.
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