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DTI Parameters

Incomes (Before Tax)
$
/ Year
$
/ Year
$
/ Year

interest, capital gain, dividend, rental income...

$
/ Year

gift, alimony, child support...

Debts / Expenses
$
/ Month
$
/ Month
$
/ Year
$
/ Month
$
/ Year
$
/ Month
$
/ Month
$
/ Month
$
/ Month

personal loan, child support, alimony, etc.

Results

Debt-to-Income (DTI) Ratio: 33%.

33%
Safe 35% 50% Very Stressful
Your DTI ratio is good.
Back-End DTI Ratio:33%
Front-End DTI Ratio:24%
Total Income:$60,000 / year or $5,000 / month
Total Debt:$19,800 / year or $1,650 / month

Income Breakdown

  • House Debts/Expenses
  • Other Debts/Expenses
  • Remainings

* The calculation is based on the assumption of using 30 years conventional loans with 6.674% interest rate containing a 20% down payment and estimation of 2% spent on property tax and insurance. Please use our House Affordability Calculator for other variations.

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What Is a Debt-to-Income (DTI) Ratio?

Your Debt-to-Income (DTI) ratio compares how much you owe every month to how much you earn. Lenders use it to judge how comfortably you could take on a new loan payment, such as a mortgage, on top of what you already owe.

Back-End vs. Front-End DTI

The back-end DTI ratio includes every recurring monthly debt: housing costs, credit cards, student loans, auto loans, and any other liabilities, divided by your gross monthly income. The front-end DTI ratio only looks at housing-related costs, such as rent or mortgage, property tax, HOA fees, and insurance, divided by your gross monthly income.

What Counts as a Good DTI Ratio?

Generally, a back-end DTI at or below 35% is considered comfortable, a ratio between 35% and 50% is workable but leaves less breathing room, and a ratio above 50% is considered very stressful and can make it difficult to qualify for additional credit.