Debt-to-Income Ratio Calculator
Calculate your DTI ratio to understand your loan eligibility
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Monthly Debt Payments
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Total Monthly Debts: $2,150/mo
Front-End DTI (housing only)
25.0%Excellent
Lenders typically want this under 28%
Back-End DTI (all debts)
35.8%Good
Lenders typically want this under 36–43%
DTI Benchmarks
≤28% — Excellent: Qualify for best rates
29–36% — Good: Likely to qualify
37–43% — Acceptable: Some lenders OK
>43% — High: Most lenders decline
This calculator provides an estimate only. Lender requirements vary.