Debt-to-Income Calculator
Calculate your front-end housing ratio and back-end total DTI using gross income and all monthly obligations — and find the income or purchase price needed to hit lender thresholds.
Get Started in 3 Steps
How to Use the Debt-to-Income Calculator
Enter Your Monthly Income
Input your gross monthly income (before taxes). Add a co-borrower's income if applicable to see the combined qualifying power.
Add All Monthly Debt Obligations
Enter all existing monthly minimum payments — auto loans, student loans, credit card minimums, and any other obligations on your credit report.
Add a Proposed Mortgage Payment
Enter or model a proposed PITI payment to see your front-end and back-end DTI ratios side by side against standard lender thresholds.
Debt-to-Income Calculator
Front-end & back-end DTI analysis
Gross Income
Monthly Housing Expenses
Monthly Debt Obligations
DTI Meter
Front-End Ratio
Housing expenses ÷ gross income
Lender guideline: ≤ 28% ideal · ≤ 31% conventional
Back-End Ratio
All monthly debts ÷ gross income
Lender guideline: ≤ 36% ideal · ≤ 43% conventional · ≤ 50% FHA
Back-End DTI Thresholds
*Estimates for informational purposes only. Actual qualifying ratios vary by loan program and lender. Not a commitment to lend.
What is a good debt-to-income ratio for a mortgage?
Most lenders consider a front-end DTI (housing costs only) below 28% and a back-end DTI (all debts) below 36% as ideal. Conventional loans allow up to 45-50%, FHA up to 57% with compensating factors, and VA/USDA evaluate residual income alongside DTI.
Best for: Pre-qualification preparation, understanding how much house you can afford based on lender guidelines
How It Works
Understanding the Debt-to-Income Calculator
Your debt-to-income ratio is the single most important qualifying metric in mortgage underwriting. This calculator totals all your monthly obligations against your gross monthly income, then adds a proposed mortgage payment to show both front-end and back-end ratios.
Worked example: You earn $8,500/month gross. Existing debts: $450 car payment, $350 student loan, $150 in credit card minimums ($950 total). You're considering a $2,400 PITI payment. Front-end DTI = $2,400 / $8,500 = 28.2%. Back-end DTI = ($2,400 + $950) / $8,500 = 39.4%. Both ratios fall within conventional guidelines (28% / 45%), so you'd likely qualify. If your back-end hit 48%, you might consider paying off the car first.
This calculator color-codes your ratios against standard lender thresholds so you can instantly see where you stand. Pair it with the Mortgage Payment Calculator to model different home prices and see how each affects your qualifying DTI.
Ready to apply?
Numbers look right? Explore our Conventional Loans page for eligibility details, rates, and next steps.
About This Calculator
What the Debt-to-Income Calculator is For
Debt-to-income ratio is one of the primary qualifying factors lenders use — and knowing yours before applying lets you address it proactively. Enter your gross monthly income and all existing debt payments (student loans, auto, credit cards, etc.), then add a projected mortgage payment to see your front-end and back-end ratios in real time. Work backward from a target purchase price to find the income you need to qualify, or model how different student loan treatments (1% rule, IDR payment, or excluded entirely) affect your file.
Common Use Cases
- Checking whether you currently qualify at a target purchase price
- Modeling student loan scenarios for physician and high-debt borrowers
- Finding the income threshold needed for a specific loan amount
Ready to turn numbers into a loan?
Common Questions
Debt-to-Income Calculator — Frequently Asked Questions
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From the Blog
Further Reading
Physician LoansPhysician Loan Case Study: How We Closed 33 Days Before Our Borrower's First Day of Work
A physician relocating to Eugene, Oregon for a new position at Oregon Medical Group needed to close on a home before their April 22 start date — and before they'd earned a single paycheck. Here's how we qualified them on future employment income, coordinated with their recruiter and realtor, and closed on March 20, 2026.
Physician LoansPhysician Loans in Oregon: A Smarter Path to Homeownership for Medical Graduates
You've invested a decade in your education. A physician loan lets you invest in a home — with no PMI, flexible student debt treatment, and terms designed around your career trajectory, not your tax returns.
All calculator results are estimates for informational purposes only and do not constitute a loan commitment or guarantee of any specific rate or terms. Actual loan terms will depend on creditworthiness, property type, and market conditions. Lumen Mortgage Corporation · NMLS #1498678 · Licensed in Oregon & California · 920 SW 6th Ave, Suite 1200, Portland, OR 97204.