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DTI Calculator

Calculate Front-End & Back-End DTI · QM Thresholds · Conforming Limits

Calculate your Debt-to-Income ratio instantly. The DTI is one of the most important qualifying factors — and one of the most tested calculations on the NMLS exam. Use this to understand DTI before you take the real test.

📊 Income

Monthly Gross Income

Co-Borrower Monthly Income

🏠 Proposed Housing Payment (PITIA)

Principal + Interest

Property Taxes (monthly)

Homeowner's Insurance

PMI / MIP (if applicable)

HOA Dues (monthly)

💳 Monthly Debt Obligations

Car Payment(s)

Student Loans

Credit Card Min Payments

Other Monthly Debts

Your DTI Results

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Front-End DTI

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Back-End DTI

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Total Monthly Income

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Total Housing Payment

DTI Thresholds Reference

≤ 36% — Excellent · Strong approval likelihood

37–43% — Good · Qualifies for standard QM

44–45% — Acceptable · Conforming standard maximum

46–50% — Borderline · Requires strong AUS and compensating factors

> 50% — Exceeds conforming maximum · Non-QM or denial likely

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