Debt-to-Income Calculator

Calculate your front-end and back-end DTI ratios to understand your mortgage qualification potential across Conventional, FHA, and VA loan programs.

Monthly Income

W-2 Salary (Gross Monthly)

Self-Employment Income

Rental Income (75% Rule Applied)

Alimony / Child Support Received

Other Income

Total Monthly Income$0

Monthly Debts

Proposed Housing Payment (PITI + HOA + PMI)

Existing Mortgage(s)

Car Loans (Monthly)

Car Leases (Monthly)

Credit Card Minimums

Student Loans

Child Support / Alimony Paid

Other Debts

Total Monthly Debts$0

Add rental properties to calculate net rental income/debt

DTI Analysis

Front-End DTI (Housing)0.0%

0%Excellent65%

Back-End DTI (Total)0.0%

0%Excellent65%

Loan Program Eligibility

Conventional28/36%

FHA31/43%

VA100/41%

Monthly Income$0

Monthly Debts$0

Max Payment (36% DTI)$0

Estimates are for informational purposes only. Actual rates, payments, and qualification requirements vary by lender, credit profile, and market conditions. Consult a licensed mortgage professional for accurate figures.