Debt-to-Income Ratio Calculator

Front-end and back-end DTI with lender qualification band.

Calculator Finance Updated Apr 20, 2026
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How to Use
  1. Enter gross monthly income, housing, and other debt payments.
  2. Front-end = housing / income · Back-end = total debt / income.
Input
DTI

Lender thresholds

Front-end
conventional ≤ 28% · FHA ≤ 31%
Back-end
conventional ≤ 36% · FHA ≤ 43% · jumbo ≤ 45%

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