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Loan to Income Ratio Calculator

Calculate your debt-to-income ratio (front-end and back-end) and see how lenders view it for conventional, FHA, VA and USDA loans, plus your loan-to-income multiple and credit card utilization.

Updated November 4, 2026. Free, no sign-up; everything runs in your browser and nothing you type is stored.

Debt to income calculator (DTI)

Gross monthly income ($)Housing payment: rent or PITI + HOA ($)

Car payments ($)Minimum credit card payments ($)Student loans ($)Other loans, child support, alimony ($)

Back-end DTI (all debts)

–

–Lender view

–Front-end ratio (housing only)

–Housing ratio view

–Max housing at 43% DTI

Loan to income ratio and credit to debt ratio

Loan amount ($)

–Loan-to-income (LTI)

Credit card balances ($)Total credit limits ($)

–Credit utilization

–Score impact

How to calculate debt to income ratio

DTI = total monthly debt payments ÷ gross monthly income × 100. Count the payment you'd have on the new loan, minimum card payments, car and student loans, and child support or alimony. Don't count utilities, phone, groceries or insurance (other than the homeowners insurance in PITI). With $7,000 of gross monthly income and $2,750 of payments, the DTI is 39.3%; the housing-only (front-end) ratio is 27.1%.

Loan type	Typical maximum DTI
Conventional (Fannie Mae / Freddie Mac)	36% manual, up to 45% to 50% with automated approval
FHA	31% housing / 43% total, higher with compensating factors
VA	41% total, plus residual income
USDA	29% housing / 41% total
Qualified mortgage general rule	No fixed cap since 2021 (price-based)

Loan to income ratio calculator (LTI)

LTI compares the loan size to annual income: a $300,000 loan on $84,000 a year is 3.57× income. US lenders mostly use DTI, not LTI, but LTI is a quick sanity check; UK lenders commonly cap mortgages around 4.5× income.

Credit to debt ratio (credit utilization)

Credit utilization is card balances ÷ credit limits. $2,400 on $15,000 of limits is 16%. Keeping it under 30%, and ideally under 10%, helps your credit score; it isn't part of DTI.

How to lower your DTI

Pay off small balances completely: removing a payment helps more than reducing a balance.
Don't take on new car or card debt before applying for a mortgage.
Add a co-borrower's income, or choose a smaller loan.

Calculate your DTI: other names for this calculator

To calculate your DTI, use the top box; it's also a DTI ratio calculator, loan to income calculator, debt to loan ratio calculator, debt to earnings ratio calculator and calculate debt to income ratio calculator. "Debt salary ratio" is the same idea (monthly debt ÷ monthly salary). The utilization box is a credit to debt ratio calculator.

Common questions

What is a good debt-to-income ratio?

36% or less overall and 28% or less for housing; many lenders accept up to 43% to 50% for mortgages.

How do I calculate my DTI?

Add monthly debt payments and divide by gross monthly income. $2,750 ÷ $7,000 = 39.3%.

Does rent count in DTI?

Your current rent isn't counted for a mortgage application; the new housing payment is.

What is the difference between DTI and LTI?

DTI uses monthly payments; LTI is loan size divided by annual income.

Is credit utilization part of DTI?

No. It affects your credit score, not your DTI.

Sources

General information, not financial, tax or legal advice. Check important numbers with the official source before acting on them.