Debt-to-Income Calculator
Calculate your debt-to-income ratio and see if you qualify for a mortgage
Equal Housing Lender • Loans originated by Nick Petrosov (NMLS #2015537) through Guild Mortgage Company (NMLS #3274)
Licensed in California. This is not a commitment to lend. All loans subject to underwriting and credit approval.
Debt-to-Income (DTI) Ratio Calculator
Calculate your front-end and back-end debt-to-income ratios to understand your mortgage qualification status.
Loan Details
Incomes (Before Tax)
Debts / Expenses
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Understanding DTI Ratios
Lenders use DTI ratios to assess your ability to manage monthly payments and repay debts. Understanding these ratios helps you prepare for mortgage qualification.
Front-End DTI
Housing costs (rental/mortgage, property tax, HOA fees, insurance) divided by monthly gross income. This measures how much of your income goes toward housing (also called PITI - Principal, Interest, Taxes, Insurance).
Back-End DTI
All monthly debt payments (housing + credit cards + loans) divided by monthly gross income. This is the primary qualification metric used by lenders.
Tips to Improve Your DTI
• Pay down existing debts before applying for a mortgage
• Increase your income through raises, bonuses, or side income
• Avoid taking on new debt before applying for a mortgage
• Consider a larger down payment to reduce loan amount
• Look for properties with lower property taxes or HOA fees
Let's Get You Home
Ready to start your home buying journey? Get pre-approved today and strengthen your offers.