//// Personal Finance · Borrowing
Debt-to-Income Ratio Calculator
Enter your gross income and monthly debts — get front-end and back-end DTI, lender qualification status for conventional/FHA/jumbo loans, and exactly how much debt to pay off to hit the 36% and 43% thresholds.
Monthly Gross Income
$
Before taxes — use your gross salary, not take-home pay
Monthly Debt Payments
Mortgage / Rent(front-end)
$
Car Payment
$
Student Loans
$
Credit Card Minimums
$
Personal Loans
$
Other Debts
$
Total monthly debts$2,720
Front-End DTI
24.0%
Good
Housing only
Back-End DTI
36.3%
Fair
All debts
Lender Thresholds (Back-End DTI)
Conventional loan — max 43%✓ Qualifies
FHA loan — max 50%✓ Qualifies
Jumbo loan (typical) — max 43%✓ Qualifies
How to Improve
→Reduce monthly debt by $20/mo to reach 36% (lender-preferred threshold)
Options: pay off high-balance debts, avoid new debt before applying, or increase income.
DTI Rating Scale
Excellent
< 20%
Good
20–35%
Fair
36–43%
Poor
> 43%
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