Debt-to-Income Calculator

Know exactly where you stand with conforming and qualified mortgage lenders. Real numbers, real thresholds, real next move.

Monthly Gross Income

Primary income (gross)

Secondary income

Side hustle

Rental income

Total monthly gross$0

Housing (rent or PITI)

Auto loans

Credit card minimums

Student loans

Personal loans

Other monthly debt

Total monthly debt$0

Front-end DTI

0.0%

Housing ratio · target ≤ 28%

Back-end DTI

0.0%

Total debt ratio · conforming ≤ 36% · QM cap 43%

Enter income and debts to evaluate

Next move

Add your monthly gross income to begin.