Debt-to-Income Ratio Calculator

Calculate your housing DTI and total DTI, and see how reducing debt changes it.

Compare scenarios

Your numbers

Loan type

Gross monthly income

Co-borrower monthly incomeOptional

Other qualifying incomeOptional

Proposed monthly housing payment

Recurring monthly debts

DTI assumptions in use

Housing 28% · Total 36% (conventional). DTI limits vary by loan program, credit profile, lender guidelines, automated underwriting findings, cash reserves, compensating factors, and other borrower qualifications. Some buyers may qualify with higher ratios.

Results

Housing DTI

28.4%

Assumption: 28%

Total DTI

39.8%

Elevated

0%28%36%100%

Total gross monthly incomeCalculated$6,833

Total non-housing monthly debtCalculated$780

Proposed housing paymentUser entered$1,940

Remaining income (pre-tax)Calculated$4,113

Estimates are for educational purposes only and do not constitute a loan approval, pre-qualification, or lending commitment. Actual qualification depends on lender guidelines, credit, income, assets, debts, loan program, property details, and underwriting.

What-if: reduce debt

Reduce monthly debt byOptional

Reducing monthly debt by $350 would lower your estimated total DTI from 39.8% to 34.7%.

Estimates are educational illustrations only — not mortgage approval, guaranteed qualification, or a loan offer. Requirements vary by lender and loan program. Yezid Beltran LLC, REALTOR® is a real estate education resource, not a lender, mortgage broker or credit-repair company.