Debt-to-Income Ratio Calculator
Updated on 20 Oct 2026 · Checked by Aotob
Your debt payments of $2,700 a month take 41.5% of your income.
Housing alone is 27.7%. Lenders often look for under 28% for housing and under 36% for all debts, and many set a limit of 43% to 50%.
Debt-to-income ratio
41.5%Manageable
Between 36% and 43% many lenders still approve a mortgage, often with conditions.
Show the working
Back-end = 2,700 ÷ 6,500 = 41.5%
Front-end = 1,800 ÷ 6,500 = 27.7%
What lenders usually look for
| Ratio | Meaning | Your limit |
|---|---|---|
| 28% | Housing guideline | 1,820 |
| 36% | All debts, comfortable | 2,340 |
| 43% | Common mortgage limit | 2,795 |
| 50% | Upper limit for some loans | 3,250 |
Questions people ask
What is a good debt-to-income ratio?
Under 36% is generally seen as healthy, with housing under 28%. Many US mortgage lenders accept up to 43%, and some programs go to 50% with strong credit or savings.
What counts as debt?
Regular payments that show on your credit report or are legally owed: housing, car loans, minimum card payments, student loans, personal loans and child support. Bills like utilities, phone and groceries do not count.
Gross or net income?
Lenders use gross income, before tax and deductions. Use your monthly pay before tax, plus any regular income you can document.
Updated 20 Oct 2026Source: CFPB: what is a debt-to-income ratioChecked by AotobAn estimate, not financial adviceReport an issue