Debt-To-Income Ratio Calculator

Debt-To-Income Ratio Calculator

Calculate your DTI ratio and assess financial health for loan qualification

💰 Income & Debt Calculator

Enter your monthly income and debt payments

Monthly Debt Payments

📊 DTI Analysis

Your debt-to-income ratio and qualification status

Enter your income and debt details to see DTI analysis

📈 Income vs Debt Breakdown

Visual representation of your financial ratios

🌐 3D Financial Health

Interactive 3D visualization of debt ratios

Use mouse to rotate and zoom

📋 DTI Scenarios & Guidelines

Compare different debt-to-income scenarios and loan requirements

Debt-To-Income Ratio Guide

Understanding DTI ratios and their impact on loan qualification

Your debt-to-income ratio is a key financial metric that lenders use to assess your ability to manage monthly payments and repay debts. It's calculated by dividing your total monthly debt payments by your gross monthly income. A lower DTI ratio indicates better financial health and higher likelihood of loan approval.

Front-End DTI

Housing expenses divided by gross income - should be under 28% for most loans

Back-End DTI

Total monthly debt payments divided by gross income - varies by loan type

Loan Requirements

Different loan types have varying DTI requirements and flexibility

Improvement Tips

Pay down debt, increase income, or avoid new debt to improve your DTI

Conventional loans typically require DTI ratios below 43-45%, while FHA loans may allow up to 57% in some cases. VA loans offer more flexibility for qualified veterans. Understanding these requirements helps you prepare for loan applications and improve your financial position.

Our Website