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Debt to income calculator.
Your debt to income ratio is your total monthly debt payments divided by your gross monthly income. Lenders use it to judge how manageable a new mortgage payment will be next to your existing obligations. A lower ratio means stronger financial flexibility. A higher ratio may limit your options, but it does not automatically prevent you from qualifying.
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Serving Utah, Florida, Idaho, Pennsylvania, and Texas.
What counts in the calculation.
These are the pieces lenders look at when they build your ratio.
Income
Gross income, before taxes. Salary, hourly wages, commissions, bonuses, rental income, and other qualifying sources can count. For self employed borrowers, qualifying income is typically based on net income after deductions on tax returns.
Credit Card Payments
Only the required minimum payment counts. Even if you pay more each month, lenders use the minimum required payment. Balances paid in full every month, with no payment obligation, may not need to be included.
Auto Payments
Every financed vehicle counts. Cars, trucks, boats, and recreational vehicles all go in.
Mortgage or Rent Payments
Housing you keep must be included. Any existing housing payment that remains after you buy must count, along with property taxes, insurance, and association dues when they apply.
Other Loan Obligations
Every required payment counts. Student loans, personal loans, alimony, child support, and other installment debts all belong in the total.
Your Next Step
See what lenders see. Understanding your ratio helps you see what home payment fits comfortably inside your budget.
See all loan options →Ready to see your full picture?
The calculator shows one ratio. The checker runs your income, debts, and credit estimate together and shows the loan programs that may fit, side by side. One caution. The income left after your debts is not a housing budget. Food, transport, and everyday costs still come out of it.
Check If You QualifyWant to explore programs first? See all loan options. Prefer to talk? Call Austin at (208) 821-0687.