Debt-to-Income (DTI) Ratio Calculator
Lenders approve or deny mortgages based on one ratio: your Debt-to-Income (DTI). Enter your income and debts below to see the exact front-end and back-end numbers a bank will use to evaluate your application.
Before taxes. Include all sources (salary, freelance, rental).
Include principal, interest, taxes & insurance (PITI).
Consolidating debt to fix your DTI?
Do not accidentally raise your interest rate just to lower your monthly payment. Use the Blended Rate Calculator to make sure any consolidation loan actually saves you money.