What Is a Good DTI Ratio

See where your back-end DTI falls: good under 36%, acceptable 36 to 43%, warning above 43%.

Your income and debt figures are calculated on your device — never uploaded

Try: Gross monthly income=6000, Housing debt/mo=1500, Other debt/mo=400 → 31.7%, 25.0%, Good, Under 36% — comfortable for most loans.

How to use

Enter income and debts to get your back-end ratio and a plain-English rating. Useful before you apply, so there are no surprises.

Sometimes with FHA, VA, or strong compensating factors, but it is harder and costs more.