Debt to Income Ratio Calculator for Mortgage

🧮 Debt-to-Income (DTI) Ratio Calculator for Mortgage

Before you buy a home, lenders want to know if you can afford the payments.
Our Debt-to-Income (DTI) Ratio Calculator helps you quickly see how your monthly debts stack up against your income — one of the most important factors lenders consider.

With our DTI Ratio Calculator, you can:

  • Calculate your front-end and back-end DTI ratios

  • Find out if you meet typical lender requirements

  • Adjust your debts and income to see how your ratio changes

  • Plan your mortgage application with confidence

📈 Importance of Checking Your DTI Ratio

Your DTI ratio can make or break your mortgage approval.

Here’s why it’s crucial:

  • Lender Approval: Most lenders prefer a DTI below 36–43% depending on the loan type.

  • Loan Size: A lower DTI can qualify you for bigger loans and better rates.

  • Financial Health: Keeping DTI low means less stress and more financial flexibility.

  • Budget Planning: Helps you avoid becoming “house poor” — owning a home but struggling financially.

Knowing your DTI gives you the power to plan smart before you even apply.

🏡 Factors to Consider When Using a DTI Calculator

When calculating your Debt-to-Income ratio, remember to:

  • Include All Debts: Car loans, student loans, credit cards, personal loans, etc.

  • Use Gross Income: That’s before taxes are taken out.

  • Consider Future Expenses: Will you have new childcare, tuition, or medical costs soon?

  • Account for Property Costs: Your mortgage payment includes insurance and taxes, not just principal and interest.

  • Think About Stability: Stable income is just as important as the DTI percentage.

A good DTI ratio is just one part of a strong mortgage application.

🚀 Ready to See Where You Stand?

Check your affordability instantly.
Use our Debt-to-Income Ratio Calculator today and get one step closer to your new home!