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Debt-to-income calculator

Before any lender approves you, they compute this ratio. Compute it first yourself — it's the single best gauge of whether your debt load is sustainable.

Before taxes — what lenders use. Annual salary ÷ 12.

Rent, or full mortgage payment (PITI) if you own.

Other monthly debt payments

Required payments only: loans, card minimums, child support. Not utilities or groceries.

Back-end DTI (all debts)

39.5%

Front-end DTI (housing only)

27.3%

Back-end DTI — $2,175 of $5,500

Stretched
0%36% guideline60%+

36–43% — you can still qualify for many loans (43% is the usual qualified-mortgage ceiling), but there's little slack in your budget.

Front-end DTI — $1,500 of $5,500

Healthy
0%28% guideline60%+

At or under the classic 28% housing guideline.

The 28/36 rule:a classic lender guideline says housing should take ≤ 28% of gross income, and all debts together ≤ 36%. For your income, that's $1,540/mo for housing and $1,980/mo for everything combined.

Lenders compute DTI from your credit report and may count debts differently. What the ratio really means — and why it matters more than your salary — is in Good debt, bad debt & DTI.