DTI Calculator 2025

DTI Calculator 2025: Will Your Debt-to-Income Ratio Qualify You for a Mortgage?

Updated December 1, 2025•19 min read•✓ Free Tool
Excellent DTI
≤36%
Best rates
Conventional Max
43%
50% with factors
FHA Max
50%
With 680+ credit
VA Max
60%
Veterans only

🧮 Calculate Your DTI Ratio (Free Tool)

Enter your monthly income and debts to calculate your debt-to-income ratio. This is the EXACT formula lenders use to qualify you for a mortgage.

$

Before taxes. Include: salary, bonuses, commissions, rental income, alimony, child support

💳 Monthly Debt Payments

$

P&I + taxes + insurance + HOA

$

All auto loans combined

$

Monthly payment (or 1% of balance)

$

Minimum payments only

$

41.4%

Your Debt-to-Income Ratio

Good! You qualify for most loans.

Total Monthly Debts
$3,000
Monthly Income
$7,250
Front-End DTI
29.0%
Housing only

Will You Qualify?

Conventional
✓ Yes
Max 43%
FHA
✓ Yes
Max 50%
VA
✓ Yes
Max 60%
USDA
✓ Yes
Max 43%

🎯 Ready to Get Pre-Approved?

Now that you know your DTI, get personalized quotes from 50+ lenders. They'll verify your income and debts to give you exact approval amounts.

Compare Lenders Now →

Your debt-to-income ratio (DTI) is the #1 factor lenders use to decide if you qualify for a mortgage. It's more important than your credit score, down payment, or job history. If your DTI is too high, you won't get approved—period.

The good news? DTI is 100% within your control. Unlike credit scores (which take months to improve), you can lower your DTI in weeks by paying off debts or increasing income. This guide shows you exactly how.

📚 What You'll Learn:

✓How to calculate DTI (exact lender formula)
✓Max DTI by loan type (conventional, FHA, VA, USDA)
✓What debts count (and what doesn't)
✓7 proven strategies to lower DTI fast
✓Front-end vs back-end DTI explained
✓Real examples: $60K, $80K, $100K income
✓Compensating factors that help high DTI
✓Common DTI mistakes that cost approvals

What is Debt-to-Income Ratio (DTI)?

Debt-to-Income Ratio (DTI) is the percentage of your gross monthly income that goes toward debt payments. Lenders use it to measure your ability to manage monthly payments and repay borrowed money.

📐 The DTI Formula

DTI = (Total Monthly Debts ÷ Gross Monthly Income) × 100

✅ What Counts as Debt

  • • Mortgage/rent payment (future, not current)
  • • Property taxes & insurance
  • • HOA fees
  • • Car loans & leases
  • • Student loans
  • • Credit card minimum payments
  • • Personal loans
  • • Home equity loans/HELOCs
  • • Alimony & child support

❌ What DOESN'T Count

  • • Utilities (electric, gas, water)
  • • Groceries
  • • Health insurance
  • • Car insurance
  • • Gas/transportation
  • • Phone bills
  • • Gym memberships
  • • Streaming services
  • • Medical bills (unless in collections)

🎯 Ready to See What You Qualify For?

Your DTI is just one factor. Get personalized quotes from 50+ lenders who'll consider your full financial picture— credit score, down payment, assets, and more.

Compare Lenders Now →Recalculate DTI ↑

Frequently Asked Questions (DTI)

🎯 Know Your DTI? Get Pre-Approved Now

You've calculated your DTI. Now get personalized mortgage quotes from 50+ lenders and see exactly what you qualify for with your specific financial situation.

Compare Lenders Now →Recalculate DTI ↑

✓ Free quotes • ✓ No obligation • ✓ High DTI specialists • ✓ All loan types

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