Debt-to-Income Calculator

DTI divides monthly debt payments by gross monthly income. Conventional mortgages like back-end DTI under 36%, allow up to 43–50% with strong compensating factors; the housing-only front-end target is 28%. It's the single biggest lever on how much house you qualify for.

DTI improves by retiring payments, not balances — paying a car loan down doesn't help until it's gone, which is why lenders suggest clearing small loans entirely before applying. Income raises help immediately; new credit lines hurt immediately.