DTI Calculator
Compare entered monthly housing and debt payments with gross monthly income; this arithmetic does not determine loan eligibility.
Planning assumptions
DTI is entered monthly housing and debt payments divided by gross monthly income before taxes and deductions. Include applicable qualifying housing costs and count each obligation once; when replacing a housing payment, do not add both current and proposed housing. The gross difference excludes taxes and living expenses and is not net or spendable income. Lender and product criteria vary; this arithmetic does not guarantee approval.
How to use this calculator
- Gross monthly income before taxes and deductions (USD)
- Monthly housing payment (including applicable taxes, insurance and HOA)
- Car and lease payments per month
- Student loan payments per month
- Required card payments per month
- Other applicable monthly obligations