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Mortgage Readiness
Debt-to-Income Calculator
Estimate your front-end and back-end debt-to-income ratios using monthly income, housing costs, and recurring debt payments.
Open DTI Calculator★ Free Financial Tools
Use the numbers to make better decisions.
Start with the free Debt-to-Income Calculator built to help you understand the number lenders review closely and prepare for homeownership with more clarity.
No signup required
Front-end and back-end DTI
Educational planning tool
Featured Mortgage Tool
Debt-to-Income Calculator
Debt-to-income compares your monthly income with your proposed housing costs and recurring debt payments. It is one of the most important numbers lenders review when evaluating mortgage readiness.
- Estimate both front-end and back-end DTI
- Include housing costs and recurring monthly debts
- Use the result as a starting point for a mortgage plan
Available Now
See what lenders may see.
Front-End DTI
Compares your proposed housing payment with your gross monthly income.
Back-End DTI
Includes the housing payment plus recurring debts such as credit cards, auto loans, and student loans.
Have your result? Review your numbers with Pat
No signup required. Results are estimates for educational planning only and are not a loan approval or commitment to lend.
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Start with the number that can change the plan.
The Debt-to-Income Calculator is available now. It helps you estimate how income, housing costs, and recurring debt payments may affect your mortgage options.