Debt-to-Income Calculator — Your DTI, the Mortgage Gap, and What to Fix
Calculate your front-end and back-end DTI ratios, see if you qualify for a mortgage at the 43% threshold, and find the exact monthly debt cut or income increase you need.
Your back-end DTI is 32.50%. Cutting $0/mo in payments would get you under the 43.00% threshold.
Alternatively, earning $6,047/mo gross would qualify you at your current debt load.
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This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.
Coach Insight
Lenders use DTI to decide whether you qualify for a mortgage. Most conventional loans require a back-end DTI below 43%; Fannie Mae allows up to 50% with compensating factors. At 38% DTI, you are in the preferred zone. At 50%+, you will likely be denied. This calculator shows both ratios and the exact gap between where you are and where you need to be.
About mortgage rates
Mortgage rates depend on loan type (30-yr fixed, 15-yr fixed, ARM, FHA, VA, jumbo), your credit score, down payment, points paid, loan amount, property state, and whether you're purchasing or refinancing. The calculator above uses a representative market rate for payment estimates — your actual rate will vary.
For a personalized rate comparison, use the tool below to see lenders ranked by APR, loan type, and your profile.
Mortgage rates shown on SwitchWize compare pages include loan type, assumed FICO, LTV, and points. Representative only — verify all terms directly with the lender. Advertising disclosure
Frequently Asked Questions
Frequently Asked Questions
Everything you need to know.
Why This Matters
Lenders use DTI to decide whether you qualify for a mortgage. Most conventional loans require a back-end DTI below 43%; Fannie Mae allows up to 50% with compensating factors. At 38% DTI, you are in the preferred zone. At 50%+, you will likely be denied. This calculator shows both ratios and the exact gap between where you are and where you need to be.
How to Use It
- 1Enter your gross monthly income before taxes
- 2Enter your estimated housing payment (PITI — principal, interest, taxes, insurance)
- 3Add all monthly debt obligations: car payments, student loans, minimum credit card payments
- 4See your front-end DTI (housing only), back-end DTI (all debt), and what you need to change
Find the best account for this goal
Money Map matches your numbers to the strongest available accounts in 90 seconds.