How to Lower Your DTI
Find out how much debt to pay off or income to add to reach your target back-end DTI.
Your income and debt figures are calculated on your device — never uploadedTry: Housing debt/mo=1500, Other debt/mo=400, Gross monthly income=6000, Target back-end=36 → 31.7%, 36%, Already at or below target
How to use
Enter your debts, income, and a target back-end ratio. The calculator shows how much other debt to remove, or how much more income you would need, to hit the target. Paying off a car loan dropped mine from 41% to 33%.
FAQ
Is paying debt or raising income faster?
Paying off a balance gives an immediate drop; income takes time but helps permanently.
What target should I aim for?
36% clears most conventional loans; 43% is the typical ceiling.