Debt-to-Income (DTI) Calculator
See where you land against the DTI thresholds lenders actually use — before you talk to one.
Debt-to-Income (DTI) Calculator
Estimate your back-end DTI the way a conventional mortgage lender does — total monthly debt (including your proposed housing payment) divided by gross monthly income.
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Principal, interest, tax, insurance (and HOA if applicable)
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Car loans, student loans, credit card minimums, personal loans — not utilities or groceries
Educational estimate, not a pre-approval. Actual DTI treatment of foreign income, RSU averaging, and contingent liabilities (like a home you still own in India) varies by lender — confirm your specific numbers with a loan officer.