What’s my debt-to-income ratio?
DTI is the ratio underwriters actually decide with: your monthly debt payments divided by gross monthly income. Front-end counts just housing; back-end counts everything. Under 36% is strong territory, 36–43% is common approval range, and many programs stretch further — the internet's hard cutoffs are stricter than real lending. Run yours here, then let a lender run it with actual program guidelines.
DTI checker
See your debt-to-income ratio the way an underwriter does — before an underwriter does.
Rules of thumb: front-end under ~28% is comfortable. Back-end under 36% is strong, 36–43% is common approval territory, above ~45% gets hard. Programs vary.
Educational estimate, not a loan offer or financial advice. Rates, taxes, and program rules vary — a licensed professional can turn these ranges into real numbers for your situation.
Want a human to look at your numbers? BuyerMath is built by Gavin Guthrie of The Mortgage Collective — a free 15-minute "where do I stand?" call costs nothing and isn't a test you can fail.
Explore BuyerMath →