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Debt-to-income ratio calculator (DTI)

Calculate your debt-to-income ratio (DTI), front-end and back-end, against lender limits, and the debt cut or income rise that reaches your target.

업데이트 검증한 예제: 5

$
Before tax: salary, wages, bonuses, alimony received, pensions and other steady income.
$
For a mortgage, include property tax, homeowners insurance, HOA dues and mortgage insurance. Lenders use the payment on the home you are buying.
$
$
$
The minimum due on each statement, not the balance or what you choose to pay.
$
$
$
Any other recurring debt payment that shows on your credit report or court order.
%
시도하기
Debt-to-income ratio (back-end)
%
Debt-to-income ratio (back-end): 36.67 %
소수 자릿수: 2; 가장 가까운 값, 중간값은 끝자리가 짝수인 쪽으로
Housing ratio (front-end)
25.00%
Back-end band
Over 36%, up to 45%
Total monthly debt payments
$2,200.00
Gross monthly income
$6,000.00
Payment cut needed to reach the target
$40.00
Income increase needed to reach the target
$111.11
Gross monthly income needed at the target
$6,111.11
Largest housing payment within the target
$1,460.00

Debt payments of $2,200.00 take 36.67% of your $6,000.00 gross monthly income, above the 36% guideline; Fannie Mae accepts up to 45% on manually underwritten loans only with the credit score and reserves its eligibility matrix requires. Housing alone is 25.00%. To reach 36%, cut payments by $40.00 a month or raise gross income by $111.11 a month.

Back-end DTI against Fannie Mae limits

Up to 36%36–45%Over 50%036455070Target 36%36.67%

Gross monthly income

$6,000per month
Housing payment25.0%Other debt payments11.7%Left for tax and living costs63.3%
Debt payments and their share of income 행 수: 5
DebtPer monthShare of income
Rent or mortgage payment$1,500.0025 %
Car loans and leases$350.005.83 %
Student loans$250.004.17 %
Credit card minimum payments$100.001.67 %
Total$2,200.0036.67 %
계산 방법 S

  1. Gross monthly income

    6,000.006{,}000.00

  2. Total monthly debt payments

    1,500.00+350.00+250.00+100.00=2,200.001{,}500.00 + 350.00 + 250.00 + 100.00 = 2{,}200.00

  3. Back-end DTI

    2,200.006,000.00×100=36.67%\frac{2{,}200.00}{6{,}000.00} \times 100 = 36.67\%

  4. Front-end (housing) ratio

    1,500.006,000.00×100=25.00%\frac{1{,}500.00}{6{,}000.00} \times 100 = 25.00\%

    Freddie Mac's guideline for manually underwritten loans is 28%; the CFPB suggests 28% to 35%.

  5. Reaching 36%

    cut=2,200.00−36%×6,000.00=40.00,income=2,200.0036%=6,111.11\text{cut} = 2{,}200.00 - 36\% \times 6{,}000.00 = 40.00,\qquad \text{income} = \frac{2{,}200.00}{36\%} = 6{,}111.11

    Either change alone reaches the target; a mix of smaller cuts and raises also works.

Debt-to-income ratio calculator (DTI) 소개

Your debt-to-income ratio (DTI) is your monthly debt payments divided by gross monthly income. The back-end ratio counts every debt payment, housing included; the front-end ratio counts only the housing payment. Lenders read the back-end figure first: Fannie Mae's maximum is 36% for manually underwritten loans, 45% with credit-score and reserve requirements and 50% through its Desktop Underwriter system.

With the defaults, $6,000 of gross monthly income and $2,200 of debt payments give a back-end DTI of 36.67% and a front-end ratio of 25%. Cutting payments by $40 a month, or earning $111.11 more, brings the back-end ratio to 36%.

Use gross income before tax. Payments count, balances do not: a card with a $4,000 balance and a $100 minimum adds $100. Living costs such as utilities, groceries and insurance other than on the home stay out.

계산 예제

CFPB example: $2,000 of debts on $6,000

Gross income
6000
Income is
Per month
Rent or mortgage payment (per month)
1500
Car loans and leases (per month)
100
Student loans (per month)
0
Credit card minimum payments (per month)
0
Personal and other loans (per month)
0
Child support and alimony (per month)
0
Other monthly obligations (per month)
400
Target back-end DTI
36%
Debt-to-income ratio (back-end)
33.00%
Housing ratio (front-end)
25.00%
Total monthly debt payments
2,000.00

검증 출처: CFPB, What is a debt-to-income ratio?: $1,500 mortgage + $100 auto + $400 other debts = $2,000 ÷ $6,000 gross = 33%

45% DTI brought to 36%

Gross income
5000
Income is
Per month
Rent or mortgage payment (per month)
1400
Car loans and leases (per month)
450
Student loans (per month)
300
Credit card minimum payments (per month)
100
Personal and other loans (per month)
0
Child support and alimony (per month)
0
Other monthly obligations (per month)
0
Target back-end DTI
36%
Debt-to-income ratio (back-end)
45.00%
Housing ratio (front-end)
28.00%
Payment cut needed to reach the target
450.00
Gross monthly income needed at the target
6,250.00
Income increase needed to reach the target
1,250.00
Back-end band
Over 36%, up to 45%

검증 출처: Hand calculation: 2,250 ÷ 5,000 = 45%; 36% × 5,000 = 1,800 so cut 450; 2,250 ÷ 0.36 = 6,250

Annual salary of $90,000

Gross income
90,000
Income is
Per year
Rent or mortgage payment (per month)
2100
Car loans and leases (per month)
400
Student loans (per month)
0
Credit card minimum payments (per month)
0
Personal and other loans (per month)
0
Child support and alimony (per month)
0
Other monthly obligations (per month)
0
Target back-end DTI
36%
Gross monthly income
7,500.00
Debt-to-income ratio (back-end)
33.33%
Housing ratio (front-end)
28.00%
Payments you could add and stay at the target
200.00
Largest housing payment within the target
2,300.00
Payment cut needed to reach the target
해당 없음

검증 출처: Hand calculation: 90,000 ÷ 12 = 7,500; 2,500 ÷ 7,500 = 33.33%; 36% × 7,500 = 2,700, less 2,500 = 200 of room; 2,700 − 400 = 2,300

Above Fannie Mae's 50% maximum

Gross income
4000
Income is
Per month
Rent or mortgage payment (per month)
1600
Car loans and leases (per month)
300
Student loans (per month)
200
Credit card minimum payments (per month)
150
Personal and other loans (per month)
0
Child support and alimony (per month)
0
Other monthly obligations (per month)
0
Target back-end DTI
50%
Debt-to-income ratio (back-end)
56.25%
Back-end band
Over 50%
Payment cut needed to reach the target
250.00
Income increase needed to reach the target
500.00

검증 출처: Hand calculation: 2,250 ÷ 4,000 = 56.25%; 50% × 4,000 = 2,000, cut 250; 2,250 ÷ 0.5 = 4,500, raise 500

자주 묻는 질문

How do you calculate debt-to-income ratio?

Add up your monthly debt payments and divide by your gross monthly income, then multiply by 100. The CFPB's example: a $1,500 mortgage payment, a $100 auto loan and $400 of other debts total $2,000; on $6,000 of gross monthly income the DTI is 33%. The front-end ratio uses only the housing payment, 25% here.

What is a good debt-to-income ratio?

36% or less. The CFPB suggests keeping total debt payments at 36% of gross income or below and housing at 28% to 35%, and Freddie Mac's guideline for manually underwritten loans is 28% for housing and 36% in total. Fannie Mae accepts up to 45% with credit-score and reserve requirements and up to 50% through Desktop Underwriter.

What is the maximum DTI for a mortgage?

50% for a conventional loan approved through Fannie Mae's Desktop Underwriter, and 45% for a manually underwritten one that meets the credit-score and reserve requirements (Selling Guide B3-6-02). FHA's manual-underwriting limits without compensating factors are 31% for housing and 43% in total. The CFPB notes some lenders go to 43% or higher.

How can I lower my debt-to-income ratio?

Cut monthly payments or raise gross income. To reach a target, the most your debts can be is target × income, and the income you need is debts ÷ target. With $2,250 of payments on $5,000 a month (45%), reaching 36% takes cutting payments by $450 or raising income by $1,250 a month. Paying off a loan outright removes its whole payment, which usually moves the ratio fastest.

“Debt-to-income ratio calculator (DTI)”의 정확도는 어느 정도인가요?

정확도는 입력값과 계산 방법의 가정에 따라 달라집니다. 십진 연산은 유효숫자 50자리를 사용하지만, 추정값·수치해석 방법·원본 데이터의 정밀도는 더 낮을 수 있습니다. 표시값을 반올림해도 이러한 한계는 사라지지 않습니다. 독립적인 출처의 풀이와 대조한 계산 예시: 5. 예를 들어 “CFPB example: $2,000 of debts on $6,000”은 CFPB, What is a debt-to-income ratio?: $1,500 mortgage + $100 auto + $400 other debts = $2,000 ÷ $6,000 gross = 33%와 대조해 확인합니다.

이 계산 방법의 출처는 무엇인가요?

Consumer Financial Protection Bureau: What is a debt-to-income ratio?; Fannie Mae Selling Guide B3-6-02, Debt-to-Income Ratios; Freddie Mac Single-Family Seller/Servicer Guide 5401.1 and 5401.2: housing expense and debt payment-to-income ratios; CFPB, Your Money, Your Goals toolkit: debt-to-income calculator; HUD Single Family Housing Policy Handbook 4000.1 (FHA qualifying ratios).

이 계산기 소개

DTIback=∑monthly debt paymentsgross monthly income×100,DTIfront=housing paymentgross monthly income×100\text{DTI}_{\text{back}} = \frac{\sum \text{monthly debt payments}}{\text{gross monthly income}} \times 100,\qquad \text{DTI}_{\text{front}} = \frac{\text{housing payment}}{\text{gross monthly income}} \times 100

출처

  1. Consumer Financial Protection Bureau: What is a debt-to-income ratio?
  2. Fannie Mae Selling Guide B3-6-02, Debt-to-Income Ratios
  3. Freddie Mac Single-Family Seller/Servicer Guide 5401.1 and 5401.2: housing expense and debt payment-to-income ratios
  4. CFPB, Your Money, Your Goals toolkit: debt-to-income calculator
  5. HUD Single Family Housing Policy Handbook 4000.1 (FHA qualifying ratios)

계획을 위한 참고용입니다. 대출기관, 세무당국과 시장은 자체 반올림 방식, 수수료와 규칙을 적용합니다. 계약 등의 결정을 내리기 전에 해당 기관에 수치를 확인하세요.

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