💰 Finance
DTI Calculator
Lenders compare what you owe each month against what you earn before tax. The housing ratio covers the mortgage payment alone; the total debt ratio (usually just called DTI) adds car loans, student loans, credit cards and everything else. Most conventional lenders look for a total ratio at or below 36%, with 43% as the usual hard ceiling.
How it works
Gross monthly income
Monthly housing payment
Other monthly debt payments
Debt-to-income ratio
Housing ratio (front-end)
Affordable housing at 28%
Affordable total debt at 36%
Room left before 43%
Frequently asked questions
How do I use the DTI Calculator?
Fill in the fields above — the result recalculates instantly as you type. Everything runs in your browser, so the values you enter are never collected or stored.
Is this calculator free?
Yes. It is completely free, requires no account, and works on phones, tablets and desktops.