Debt-to-Income Calculator

Check your DTI ratio to see where you stand for mortgage qualification

Monthly Income

Before taxes
Bonuses, rental, etc.

Monthly Debts

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Front-End DTI (Housing Only)
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Total Monthly Income
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Total Monthly Debts

💡 Tips to Lower Your DTI

  • Pay off smallest debts first — Eliminating a car payment or credit card drops your DTI quickly.
  • Avoid new debt — Don't open new credit lines before applying for a mortgage.
  • Increase income — A raise, side income, or co-borrower can improve your ratio.
  • Larger down payment — Reduces your loan amount and monthly mortgage payment.
  • Refinance high-rate debts — Consolidating can lower total monthly minimums.
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