Debt-to-Income (DTI) Calculator

Your DTI compares your monthly debt payments to your income — and it's one of the first things a mortgage lender checks. See where you stand and what to aim for. Free, no signup.

Gross monthly income (before taxes)

Rent / mortgage

Car payment(s)

Student loans

Credit card minimums

Other loans / support

Enter your numbers

0%36%43%60%+

Many mortgage programs look for a total DTI around 43% or lower, and under 36% is stronger. Enter your numbers to see where you stand.

What counts, and what lenders want

Debt-to-income is your total monthly debt payments divided by your gross (pre-tax) monthly income. If you pay $1,900 in debts on $4,500 of income, your DTI is about 42%.

Lenders usually look at two versions: your housing payment alone (front-end) and all your debts together (back-end). The back-end number is the one most mortgage limits are based on.

Include: rent or mortgage, car loans, student loans, minimum credit card payments, personal loans, and court-ordered support.
Usually not included: utilities, groceries, phone, insurance, or streaming — those aren't "debt."
Two ways to improve it: lower your monthly debt (pay down or pay off a loan) or raise documented income.
DTI is separate from your credit score — a mortgage looks at both.

This tool is educational and shows a simplified ratio. Real lender guidelines vary by loan program, and some income and debts are counted differently. It does not pull your credit or guarantee approval.

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Subefy is a financial education and credit-building platform — not a credit repair organization promising results, a lender, or a credit bureau. Tools and content are for general information and are not financial, legal, or tax advice.