Debt-to-Income Calculator

Calculate your DTI ratio to understand your borrowing power.

Income

Monthly Gross Income

₹

Monthly Debts

Mortgage/Rent

₹

Car Payment

₹

Student Loans

₹

Credit Cards

₹

Other Debts

₹

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Back-End DTIcalculating

0%

Front-End: 0% • ₹0 remaining

Front-End

0%

Target: ≤28%

Back-End

0%

Target: ≤36%

Total Debt

₹0

Max Mortgage

₹0

DTI Rating Scale

≤36%

37-43%

44-50%

>50%

ExcellentGoodFairRisk

Documentation

Understanding DTI Ratio

Front-End Ratio

Housing costs only (mortgage/rent + taxes + insurance) divided by gross income. Lenders prefer ≤28%.

Back-End Ratio

All monthly debts divided by gross income. Most lenders require ≤43% for qualified mortgages.

Lender Guidelines

Conventional

28% / 36%

FHA

31% / 43%

No front / 41%

Jumbo

36% / 43%

Last Updated: February 2026 • Guidelines vary by lender and loan type.