Monthly Income
Your gross income before taxes
Housing Payment
Mortgage or rent including taxes
Include: Principal, interest, property taxes, homeowner's insurance, HOA fees, PMI
Monthly Debt Payments
All recurring debt obligations
Include: Personal loans, alimony, child support, medical debt payments
Assessment: Acceptable
Your DTI is acceptable but approaching limits. This is typically the maximum for qualified mortgages. Focus on reducing debt.
Income Allocation
How your income is distributed
DTI Guidelines
Your DTI: 39.2% - Acceptable
The 28/36 Rule
Front-End Ratio (Housing)
25.0%
Target: ≤28% | Yours: ✓ Within target
Back-End Ratio (All Debt)
39.2%
Target: ≤36% | Yours: 3.2% over
What if my income changed?
See how income changes affect your debt-to-income ratio
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Your DTI Ratio
Debt-to-Income
39.2%
Acceptable
Front-End Ratio
25.0%
Within limit
Frequently Asked Questions
What is debt-to-income ratio (DTI)?
DTI compares your monthly debt payments to gross monthly income. It's expressed as a percentage: (Total Monthly Debt / Gross Monthly Income) × 100. Lenders use DTI to assess your ability to manage payments. Lower is better - under 36% is generally considered healthy.
What is the difference between front-end and back-end DTI?
Front-end DTI (housing ratio) includes only housing costs: mortgage/rent, property taxes, insurance. Lenders typically want this under 28%. Back-end DTI includes ALL debt payments including housing. The 28/36 rule suggests front-end ≤28% and back-end ≤36%.
What DTI do I need for a mortgage?
Conventional mortgages typically require DTI ≤43%. FHA loans may allow up to 50% with compensating factors. VA loans may go to 41%+. However, better rates and terms come with lower DTI. Aim for 36% or less for best options.
How can I lower my DTI?
Lower debt: pay off accounts (start with highest interest), avoid new debt, refinance at lower rates. Increase income: raise, promotion, side gig, rental income. Note: DTI uses gross income, so pre-tax increases help more than you might expect.
Does DTI affect credit score?
DTI doesn't directly affect credit scores - it's not reported to credit bureaus. However, the factors that increase DTI (high balances, many accounts) do affect credit utilization, which impacts scores. Managing DTI often improves credit naturally.
How this works
Calculations are run entirely in your browser. No inputs are sent to our servers and no account is required. Formulas follow standard US definitions from the IRS and the CFPB where applicable; international users should confirm local tax and regulatory rules apply.
What this tool can’t do
When to consult a professional
This is a software engineering tool, not financial advice. Run the math here, then take the result to a certified financial planner, CPA, or your bank before making a decision that materially affects your money.
Sources
- [1]Consumer Financial Protection Bureau (CFPB)Official sourceconsumerfinance.govAccessed Apr 21, 2026
US consumer finance regulator; authoritative on mortgage disclosures, APR rules, credit cards.
Full-stack software engineer specializing in embedded systems, web architecture, and AI/ML. Founder of Practical Web Tools. Built the gesture-controlled drone IP acquired by KD Interactive (Aura Drone, sold on Amazon).