Gross monthly incomebefore taxes
/ mo
Housing paymentrent or PITI + HOA
/ mo
Other monthly debtsminimum payments
/ mo

Your debt-to-income ratio

36.7%

Acceptable for most loans

Front-end ratio (housing ÷ income)
30%
Back-end ratio (all debts ÷ income)
36.7%
Room before 36% (conventional comfort)
$0
Room before 43% (common QM limit)
$380
Room before 50% (FHA / Fannie Mae max)
$800

Your housing payment is over 28% of gross income — the common guideline for a comfortable budget.

DTI36.7%

Estimates for education, not financial advice.Debt-to-income (DTI) calculator by Numlight ↗