Debt-to-income (DTI) calculator
Lenders use your DTI ratio to measure your ability to manage monthly payments and repay debts. There are two types: Front-end (housing costs only) and Back-end (all monthly debts).
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$
$/ mo
Car loans, credit cards, student loans, etc.
Your DTI results
Front-end DTI
0%
Back-end DTI
0%
Gross monthly income
$0.00
Total monthly debt
$0.00
Status: —
What is a good DTI?
Zillow includes a debt-to-income calculator among its core mortgage tools, and its mortgage FAQ says lenders often evaluate debt-to-income ratios when determining approval.
- Conventional loans: Typically look for a back-end DTI of 36% or less, though up to 43-45% is possible with high credit scores.
- FHA loans: Often allow up to 43% or even higher in some cases.
- VA loans: Generally prefer a DTI of 41% or less.