Mortgage Lab

Debt-to-income calculator

Compare monthly housing and debt obligations with gross monthly income.

Proposed monthly housing paymentGross monthly income

Use income before taxes for this planning estimate. A lender determines qualifying income from documentation.

Monthly debt payments

Use required monthly payments. Leave a category blank if it does not apply.

Loan program for debt planningCompare loan programs

Auto loan payment

Auto lease payment

Credit-card minimum paymentsAdd the required minimum payments on your statements, not the extra amount you choose to pay.

Personal / installment loan payments

Student loans

Total monthly debts counted$0

What counts toward DTI?

Usually recurring qualifying obligations: other housing, auto loans and leases, card minimums, installment and student loans, second mortgages, applicable support and tax plans. Treatment varies by program and documentation.

What usually doesn’t count?

Ordinary living costs such as cell phone, electricity, water, gas utilities, internet, streaming, groceries, gasoline, and household spending generally do not go in these fields. DTI is a lending calculation, not a complete household budget.

Planning result

31.3%

Monthly qualifying income (entered): $8,000
Monthly debts counted: $0
Proposed housing payment: $2,500
Estimated total DTI: 31.3%

Housing alone is 31.3% of entered income (front-end DTI). Including counted debts gives 31.3% (total DTI).

Why this matters

DTI compares monthly housing and qualifying debt obligations with qualifying monthly income. Actual underwriting may treat obligations differently after reviewing documents and the loan program. This estimate does not promise qualification.

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How to interpret the result

The ratio is a mathematical snapshot, not an approval decision. Programs calculate and evaluate debts and income under current guidelines using verified documents.

Related mortgage planning tools

Calculator results are educational estimates based on the values entered. They are not a , approval, rate quote, or commitment to lend.