Personal financeHow this is calculated Common questions
Debt-to-income ratio calculator
Add your gross monthly income and your monthly debt payments to get both the housing-only and total debt-to-income ratios lenders use, plus how much room is left under the usual 43% ceiling.
Tool
Debt-to-income ratio calculator
The single number mortgage lenders check before anything else.
Debt-to-income
35.4%
Healthy — inside the range most lenders prefer.
Housing only (front-end)27.1%
Total monthly debt$2,550
Room before 43%$546/mo
Total monthly debt payments divided by gross monthly income, expressed as a percentage. The front-end ratio counts housing alone; the back-end ratio counts every recurring debt payment.
- Income is gross (before tax) and steady.
- Only recurring debt payments count — groceries, utilities and subscriptions do not.
- Individual lenders apply their own overlays, so the 43% ceiling is a guideline.
- What is a good debt-to-income ratio?
- Under 36% is comfortable for most lenders. Conforming mortgages generally cap out near 43%, and above that you need compensating factors like large reserves.
- Does rent count in debt-to-income?
- Your current rent is used as the housing figure until you take the mortgage, at which point the new payment including tax and insurance replaces it.