Check your debt-to-income ratio the way lenders do. Enter your gross monthly income and debt payments to see your front-end and back-end DTI, with a color-coded gauge and approval guidance. Everything runs entirely in your browser — nothing is sent anywhere.
Your numbers
$
$
Other monthly debts
Car loans, credit cards (minimum payment), student loans, personal loans, etc. Skip utilities, groceries and other non-debt bills — lenders don't count those.
Your DTI results
Front-end DTI (housing)
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Housing payment ÷ income
Back-end DTI (all debts)
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All debts ÷ income
Back-end DTI gauge
0%36%43%60%+
≤ 36% · Good — comfortable for most lenders
36–43% · Caution — may still qualify
> 43% · High — hard to get approved
Enter your income and debts above to see your guidance.
Total monthly debt
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Left after debts
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Room to 43% back-end
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This is an educational estimate. Lenders vary and may use different income definitions, count additional obligations, or apply program-specific limits (e.g. FHA, conventional). Always confirm with your lender.