Debt-to-Income (DTI) Calculator
Measure the number lenders care about most.
Calculate your debt-to-income ratio in minutes and see where you stand against lender thresholds—plus clear steps to improve it before you apply.
What this calculator helps you figure out
- Front-end and back-end DTI side by side
- Flags where you land vs. qualifying limits
- Actionable tips to lower your ratio
Your income & housing
Before taxes, household
PITI for the home you want
Monthly debt payments
Your DTI ratio
Back-end DTI
41.7%
Housing + all debts ÷ gross income
Front-end DTI
30.3%
Housing only ÷ gross income
Front-end vs 28% limit
Housing ratio
Back-end vs 43% limit
Total debt ratio
Most conventional loans cap back-end DTI near 43% (FHA/VA can flex higher). Lower is always stronger — Dylan can show you exactly where you stand.
Why run the numbers with Dylan?
A calculator gives you a snapshot. Dylan gives you a strategy. With access to over 160 lenders, he structures your loan around your real goals — not just a rate quote. Every client gets clear direction, honest answers, and a plan that actually fits their life.