Calculate your debt-to-income ratio the way lenders do. See both your front-end (housing) and back-end (total debt) ratios with an instant assessment.
Mortgage or rent, plus taxes and insurance.
Assessment
excellent
Lenders commonly prefer a back-end DTI at or below 36%, with some programs allowing up to 43%.
Front-end counts only housing costs against your income. Back-end includes all debt payments, and it is the figure lenders weigh most heavily.
Many lenders prefer a back-end DTI at or below 36%, though some programs allow up to 43% or higher with compensating factors.
What is a debt-to-income ratio and why does it quietly decide your mortgage? Front-end vs back-end DTI, 2026 limits across the US, UK, Canada, Australia & UAE, plus proven ways to lower your DTI before you apply. Free DT
Disclaimer: This calculator provides estimates for informational purposes only and is not financial, tax, or legal advice. Verify figures with a qualified professional before making decisions.
