Debt-to-Income (DTI) Calculator — Front & Back-End Ratio
Reviewed 2026-06-03 · FinCalc Hub Editorial
Your debt-to-income ratio is one of the biggest factors lenders use. Enter your income and monthly debts to see your front-end and back-end DTI and where you stand against lender limits.
Back-end DTI38.3%
Front-end DTI (housing)26.7%
Lender ratingManageable
Room to 36% target$0/mo
Most lenders prefer back-end DTI under 43%. Qualified mortgages often cap here.
Frequently asked questions
- What DTI do lenders want?
- Most prefer a back-end DTI under 43%, with 36% or lower considered strong. Some loan programs allow higher with compensating factors.
- How do I lower my DTI?
- Pay down debts, avoid new loans before applying, or increase income. Even small reductions can change your approval odds.