Debt-to-income ratio calculator
See how lenders will view your monthly debt against your income.
These are estimates to guide your planning — not professional or lender figures. Rates, tax rules, DTI limits, and loan requirements vary by lender, location, and over time, so verify anything important with a licensed professional. Read our full disclaimer.
Before taxes
Credit cards, car loans, student loans
Enter your income above to see your DTI.
Why this matters
Your DTI is one of the first things a lender checks. Enter your income and existing debt payments below, then optionally add an estimated mortgage to see your projected DTI with the new home.
This step is general educational guidance, not legal, financial, or real estate advice — your contract terms, deadlines, and local requirements always take precedence, so confirm specifics with your licensed professionals. Read our full disclaimer.