Debt-to-Income Calculator

Know exactly where you stand with conforming and qualified-mortgage lenders. Real numbers, real thresholds, real next move — the Credit Hero readout that lenders run before they say yes.

Conforming 28 / 36 rule QM cap 43% Instant — no signup

Monthly Gross Income

before tax

Primary income (gross)

Secondary income

Side hustle

Rental income

Total monthly gross$0

Monthly Debt Obligations

minimum payments

Housing (rent or PITI)

Auto loans

Credit card minimums

Student loans

Personal loans

Other monthly debt

Total monthly debt$0

Mission Readout

live

Front-end DTI

0.0%

Housing ratio · target ≤ 28%

Back-end DTI

0.0%

Total debt · conforming ≤ 36% · QM 43%

Enter income and debts to evaluate

Next move

Add your monthly gross income to begin.

How we got this answer ▾

Front-end DTI = housing payment ÷ gross monthly income. Lenders want this ≤ 28%.

Back-end DTI = all monthly debt (housing + auto + cards + student + personal + other) ÷ gross monthly income. Conforming loans target ≤ 36%; the Qualified Mortgage (QM) rule caps most loans at 43%.

We apply the recognized 28 / 36 rule and the federal QM threshold to flag your bucket and the exact paydown needed to move up.

Estimates for planning only — not a credit decision. Running this does not affect your credit score. Lender overlays, compensating factors, and loan program vary; confirm with your loan officer.