Debt-to-Income (DTI) Calculator
See how your proposed housing payment and other monthly debts compare with your income — and what that ratio means for approval.
Debt-to-income ratio, or DTI, is one of the first numbers an underwriter checks. It compares what you owe every month to what you earn every month. Lenders look at two versions of it: the housing payment alone against your income (front-end), and every monthly debt including housing against your income (back-end). This tool shows both.
Where to get your numbers
- Use gross income — before taxes and deductions, not your take-home pay.
- Get your proposed housing payment from the Mortgage Payment Calculator so it includes principal, interest, taxes, insurance, PMI, and HOA.
- Use the minimum payment shown on statements for credit cards, not what you typically pay.
- If you are self-employed, your qualifying income may be calculated differently than what shows on a pay stub — ask us before relying on this estimate.
Your numbers
What goes here?
Income before taxes and deductions. If salaried, use the gross amount on your pay stub. If self-employed, qualifying income is often calculated differently than take-home pay — ask us before relying on this number.What goes here?
Get this from the Mortgage Payment Calculator — it should include principal, interest, taxes, insurance, PMI, and HOA, not just principal and interest.What goes here?
A common Reno-area starting range for one vehicle is roughly $350-$650 a month. Use your actual statement amount, and add a second line if you have more than one vehicle payment.What goes here?
Use the payment on your credit report, even on an income-based plan. Some loan programs use a different calculated percentage instead of your actual payment — ask us which applies to your situation.What goes here?
Use the minimum payment shown on your statement, not what you typically pay. A common estimate is about 2-3% of your total revolving balance.What goes here?
Personal loans, alimony or child support, timeshares, or other financed payments — generally those with more than about 10 months of payments remaining.Estimated result
0%
Back-end DTI — all monthly debt, including housing, divided by gross income
| Front-end DTI (housing only) | 0% |
| Total monthly debt (incl. housing) | $0 |
| Gross monthly income used | $0 |
| Estimated income remaining | $0 |
Educational estimate only. Not a loan approval, offer, or commitment to lend. Maximum DTI limits vary by loan program, credit, and compensating factors — we confirm the real number for your situation.
A strong ratio does not guarantee approval, and a high one does not always rule it out
Credit, cash reserves, the loan program, and the property all factor into the final decision alongside DTI. If your ratio looks high, we can often find a program or a strategy — paying down a specific balance, restructuring debt, or a different documentation type — that changes the picture.
Start with the Mortgage Payment Calculator to estimate your housing payment, then bring both numbers to a conversation with us.
Front-end vs. back-end DTI
Front-end DTI looks only at the proposed housing payment against your income. Back-end DTI adds every other monthly debt on top of housing. Most loan programs focus primarily on the back-end number, but some also apply a front-end guideline. Both matter, which is why this tool shows both.
Educational planning only. These tools do not provide a loan approval, offer, rate quote, Loan Estimate, or commitment to lend. Property costs, loan terms, and program rules must be confirmed for the person and property involved. Harry Protopappas, Mortgage Loan Originator, NMLS #2543750. NEXA Mortgage, LLC, NMLS #1660690. Licensed in California and Nevada. Equal Housing Lender.