Free Debt-to-Income Ratio Calculator 2025

Calculate Your DTI Ratio

Gross Monthly Income: $

Car Payment(s): $

Credit Card Payments: $

Student Loans: $

Other Debts: $

Estimated Mortgage Payment (P&I): $

Property Tax + Insurance: $

Total Monthly Debts

$900

New Total with Mortgage

$2,700

Gross Monthly Income

$5,000

Current DTI

18.0%

Projected DTI (with mortgage)

54.0%

Not meeting lending standards. Projected DTI is above 43% limit for conventional loans.

Conventional Loans: Maximum DTI typically 43% (some up to 50%)

FHA Loans: Maximum DTI up to 50%

VA Loans: No strict DTI limit, but lenders use guidelines