Auto Loan Mortgage BNPL Debt Payoff Personal Loan DTI Blog
Debt-to-Income Calculator

What is your DTI, and how much room is left?

List your monthly payments. See your housing ratio and total debt-to-income ratio, how many dollars you have before 36% and 43%, and the loan that fits in that room.

→DTI = total monthly debt payments ÷ gross monthly income. Lenders use income before taxes.
→The 28/36 guideline: housing up to 28% of gross income, all debts up to 36%. Many lenders cap total DTI near 43%, and some programs allow more.
28%
Housing guideline
36%
Total debt guideline
43%
Common lender cap (varies)
$
Room left, in dollars

Your Numbers

Your income

Monthly payments

Count required minimum payments, not what you choose to pay. Leave out utilities, groceries and insurance that is not part of a loan.

To size a new loan (optional)

Your Ratios

?

Enter your numbers above

Front-end vs. back-end ratio

The housing (front-end) ratio counts only your rent or mortgage payment, including property tax, insurance and HOA. The total (back-end) ratio adds every other required debt payment: car, student loans, card minimums, personal loans and support.

Why the room in dollars matters

A percentage tells you where you stand; the dollar room tells you what you can still take on. If you have $500 of room before 36%, a new $600 car payment would push you over, whatever the dealer approves.

Common questions

Does rent count in debt-to-income?
For a mortgage application, lenders replace your rent with the new mortgage payment. For a car or personal loan, many lenders look at your rent or housing payment along with your debts. This calculator shows both ratios so you can see each view.
What counts as a debt payment?
Required monthly payments on loans and credit: mortgage or rent, car loans, student loans (even if deferred, lenders often count a payment), credit card minimums, personal loans, BNPL plans and court-ordered support. Utilities, phone, groceries and subscriptions do not count.

Other calculators

🏠
Mortgage
How much house can you afford?
đźš—
Auto Loan
What a car really costs each month
đź’ł
Debt Payoff
Which debt should you pay first?
đź’µ
Personal Loan
Real APR with the fee

Related guides