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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.

更新于 已验证的示例：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.
%
试一试
Debt-to-income ratio (back-end)
%
Debt-to-income ratio (back-end): 36.67 %
小数位数：2；取最近值，等距时取偶数末位
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 行数：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 %
计算方法 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.

关于Debt-to-income ratio calculator (DTI)

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.

计算示例

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

核验来源：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%

核验来源：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
不适用

核验来源：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

核验来源：Hand calculation: 2,250 ÷ 4,000 = 56.25%; 50% × 4,000 = 2,000, cut 250; 2,250 ÷ 0.5 = 4,500, raise 500

常见问题

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)”有多准确？

准确性取决于输入值和方法的假设。十进制运算使用50位有效数字，但估算、数值方法和源数据的精度可能较低；显示时的舍入并不能消除这些限制。 已按独立来源核验的计算示例：5。 例如，“CFPB example: $2,000 of debts on $6,000”根据CFPB, What is a debt-to-income ratio?: $1,500 mortgage + $100 auto + $400 other debts = $2,000 ÷ $6,000 gross = 33%进行核验。

这种方法出自哪里？

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).

关于此计算器

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

来源

  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)

仅用于规划。贷款机构、税务机关和市场采用各自的舍入方式、费用和规则；作出承诺前，请向相关机构确认数值。

已对照来源验证

此计算器包含 5 个已解示例，答案来自独立来源。这些示例会在测试套件中运行，你也可以在此运行验证。

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