{"id":6876,"date":"2026-09-07T18:30:10","date_gmt":"2026-09-07T18:30:10","guid":{"rendered":"https:\/\/www.beyondfinance.com\/blog\/?p=6876"},"modified":"2026-09-15T22:31:09","modified_gmt":"2026-09-15T22:31:09","slug":"debt-to-income-calculator","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/blog\/debt-to-income-calculator\/","title":{"rendered":"Debt-to-Income Calculator"},"content":{"rendered":"\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"WebApplication\",\n      \"name\": \"Debt-to-Income Calculator\",\n      \"url\": \"https:\/\/www.beyondfinance.com\/blog\/debt-to-income-calculator\/\",\n      \"applicationCategory\": \"FinanceApplication\",\n      \"operatingSystem\": \"Any web browser\",\n      \"description\": \"Calculate your debt-to-income ratio using your gross income and monthly debt obligations, with lender-aligned thresholds at 36%, 45%, and 50%.\",\n      \"offers\": { \"@type\": \"Offer\", \"price\": \"0\", \"priceCurrency\": \"USD\" },\n      \"author\": { \"@type\": \"Organization\", \"name\": \"Beyond Finance\" }\n    },\n    {\n      \"@type\": \"FAQPage\",\n      \"mainEntity\": [\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Should I use gross or net income?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Gross \u2014 your income before taxes. That's the figure lenders work from, so a calculation based on take-home pay will come out lower than the number they'd arrive at.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What should I enter for my housing payment?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Your total monthly housing cost \u2014 rent, or mortgage principal and interest plus property taxes, homeowners insurance, and HOA fees if you pay them separately. Housing counts toward DTI even though rent isn't technically a debt.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Which debt should I pay off first to lower my DTI?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Generally the one you can clear completely for the least money, rather than the one with the largest balance. Because DTI counts monthly payments, eliminating a whole payment moves your ratio far more than reducing a big balance does. Say you have $2,200 available: put it toward a $20,000 credit card and the minimum drops by around $25. Use it to clear a $2,200 car loan instead and that entire $350 payment disappears \u2014 well over ten times the effect on your ratio, from the same money. Worth noting that's a different question from which debt costs you the most \u2014 for that, interest rate matters more.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Why is the number here different from what my lender told me?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Lenders verify income and obligations, and they may count some things differently than you've entered them. Deferred student loans, co-signed debt, and debts with only a few payments remaining all get specific treatment in mortgage underwriting. This is an estimate based on what you typed, not a determination.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Why doesn't this ask about my credit score?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Because DTI is calculated from income and obligations only \u2014 your score isn't part of the formula. It matters separately, though. For conventional mortgages, a stronger credit score can raise the ratio a lender will accept.\"\n          }\n        }\n      ]\n    }\n  ]\n}\n<\/script>\n\n<style>\n.bf-dti-wrap{max-width:700px;margin:0 auto;font-family:Mulish,sans-serif;color:#111}\n.bf-dti-wrap h2{font-size:1.35rem;margin-top:2rem;margin-bottom:.75rem;display:flex;align-items:center;gap:.6rem}\n.bf-dti-wrap h3{font-size:1.1rem;margin-top:1.5rem;margin-bottom:.5rem;display:flex;align-items:center;gap:.6rem}\n.bf-dti-hero{position:relative;overflow:hidden;border-radius:.75rem;padding:1.35rem 1.5rem;margin-bottom:1.5rem;background:linear-gradient(135deg,#042954 0%,#0967d2 60%,#2cb1bc 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h2{border-top:1px solid #e1e1e1;padding-top:2rem}\n.bf-dti-faq-item{margin-bottom:1.25rem}\n.bf-dti-faq-item h3{font-size:1rem;margin-bottom:.4rem}\n.bf-dti-faq-item p{margin-bottom:0;line-height:1.6;color:#3b3b3b}\n.bf-dti-disclosure{font-size:.85rem;color:#626262;line-height:1.6;margin-top:2rem;padding-top:1.5rem;border-top:1px solid #e1e1e1}\n.bf-dti-disclosure p{margin-bottom:1rem}\n.bf-dti-disclosure p:last-child{margin-bottom:0}\n.bf-hidden{display:none!important}\n<\/style>\n<div class=\"bf-dti-wrap\">\n\n  <div class=\"bf-dti-hero\">\n    <div class=\"bf-dti-hero-icon\"><svg viewBox=\"0 0 24 24\" fill=\"currentColor\" class=\"bf-dti-svg\"><path d=\"M11 2.05A10 10 0 1 0 21.95 13H11V2.05z\"\/><path d=\"M13 2.05V11h8.95A10 10 0 0 0 13 2.05z\" opacity=\"0.55\"\/><\/svg><\/div>\n    <span class=\"bf-dti-kicker\">Beyond Finance &middot; Financial Wellness Tools<\/span>\n  <\/div>\n\n  <div class=\"bf-dti-intro\">\n    <p>Your DTI is what your required monthly payments add up to, measured against what you earn before taxes. Lenders weigh it heavily, and it&#8217;s a useful read on your own position whether or not you&#8217;re borrowing.<\/p>\n    <p>This calculator gives you the ratio lenders look at, plus a separate figure for what housing alone is taking up &mdash; based on your situation as it stands today. If you&#8217;re thinking about a mortgage, there&#8217;s an optional section that shows what a lender would calculate instead &mdash; since the ratio they use includes the payment you&#8217;re applying for rather than what you pay for housing now.<\/p>\n  <\/div>\n\n  <div class=\"bf-dti-card\">\n    <div class=\"bf-dti-color-strip\"><span style=\"background:#0967d2\"><\/span><span style=\"background:#da127d\"><\/span><span style=\"background:#2cb1bc\"><\/span><\/div>\n\n    <div class=\"bf-dti-field-group bf-accent-income\">\n      <div class=\"bf-dti-group-heading\">\n        <span class=\"bf-dti-icon-chip bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><rect x=\"2\" y=\"6\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><circle cx=\"17\" cy=\"14\" r=\"1.3\" fill=\"currentColor\" stroke=\"none\"\/><\/svg><\/span>\n        <strong>Start with your income.<\/strong>\n      <\/div>\n      <p class=\"bf-dti-field-helper\" style=\"margin-bottom:.9rem;\">Use your gross annual income &mdash; before taxes. Lenders work from gross, so a figure based on your take-home pay won&#8217;t line up with theirs.<\/p>\n      <label class=\"form-label\" for=\"bf-dti-income\">Annual gross income<\/label>\n      <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-dti-income\" placeholder=\"e.g. 75,000\" oninput=\"window.bfDtiFormat(this); window.bfDtiUpdateIncome()\">\n      <p class=\"bf-dti-field-helper\">Before taxes. Include salary, plus any other income you&#8217;d want a lender to count.<\/p>\n      <div class=\"bf-dti-monthly-note\" id=\"bf-dti-monthly-note\"><\/div>\n    <\/div>\n\n    <div class=\"bf-dti-field-group bf-accent-obligations\">\n      <div class=\"bf-dti-group-heading\">\n        <span class=\"bf-dti-icon-chip bg-secondary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><path d=\"M6 3h12v18l-3-2-3 2-3-2-3 2z\"\/><path d=\"M9 8h6M9 12h6M9 16h4\"\/><\/svg><\/span>\n        <strong>Your monthly obligations.<\/strong>\n      <\/div>\n      <p class=\"bf-dti-obligations-intro\">Enter your required monthly payments. Leave out utilities, groceries, insurance premiums, childcare, and subscriptions &mdash; DTI counts debt and housing only, which is a real limitation of the measure but it&#8217;s how lenders calculate it.<\/p>\n\n      <div class=\"bf-dti-obligations-grid\">\n        <div class=\"bf-dti-field-col\">\n          <label class=\"form-label\" for=\"bf-dti-housing\"><span class=\"bf-dti-icon-chip bf-dti-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><path d=\"M3 11l9-7 9 7\"\/><path d=\"M5 10v10h14V10\"\/><\/svg><\/span>Rent or mortgage payment<\/label>\n          <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-dti-housing\" placeholder=\"$0\" oninput=\"window.bfDtiFormat(this); window.bfDtiRecalc()\">\n          <p class=\"bf-dti-field-helper\">Include property taxes, homeowners insurance, and HOA fees if you pay them<\/p>\n        <\/div>\n        <div class=\"bf-dti-field-col\">\n          <label class=\"form-label\" for=\"bf-dti-auto\"><span class=\"bf-dti-icon-chip bf-dti-icon-chip-sm bg-tertiary text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><path d=\"M3 13l1.5-4.5A2 2 0 0 1 6.4 7h11.2a2 2 0 0 1 1.9 1.5L21 13\"\/><rect x=\"2\" y=\"13\" width=\"20\" height=\"5\" rx=\"1\"\/><circle cx=\"7\" cy=\"18\" r=\"1.4\" fill=\"currentColor\" stroke=\"none\"\/><circle cx=\"17\" cy=\"18\" r=\"1.4\" fill=\"currentColor\" stroke=\"none\"\/><\/svg><\/span>Auto loan or lease<\/label>\n          <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-dti-auto\" placeholder=\"$0\" oninput=\"window.bfDtiFormat(this); window.bfDtiRecalc()\">\n        <\/div>\n        <div class=\"bf-dti-field-col\">\n          <label class=\"form-label\" for=\"bf-dti-student\"><span class=\"bf-dti-icon-chip bf-dti-icon-chip-sm bg-secondary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><path d=\"M2 8l10-4 10 4-10 4-10-4z\"\/><path d=\"M6 10.5V15c0 1.5 2.7 3 6 3s6-1.5 6-3v-4.5\"\/><\/svg><\/span>Student loans<\/label>\n          <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-dti-student\" placeholder=\"$0\" oninput=\"window.bfDtiFormat(this); window.bfDtiRecalc()\">\n          <p class=\"bf-dti-field-helper\">Enter the required payment, even if it&#8217;s currently deferred<\/p>\n        <\/div>\n        <div class=\"bf-dti-field-col\">\n          <label class=\"form-label\" for=\"bf-dti-cards\"><span class=\"bf-dti-icon-chip bf-dti-icon-chip-sm bg-warning text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><rect x=\"2\" y=\"5\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><\/svg><\/span>Credit card minimum payments<\/label>\n          <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-dti-cards\" placeholder=\"$0\" oninput=\"window.bfDtiFormat(this); window.bfDtiRecalc()\">\n          <p class=\"bf-dti-field-helper\">The required minimum, not what you actually pay<\/p>\n        <\/div>\n        <div class=\"bf-dti-field-col\">\n          <label class=\"form-label\" for=\"bf-dti-personal\"><span class=\"bf-dti-icon-chip bf-dti-icon-chip-sm bg-success text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><ellipse cx=\"12\" cy=\"6\" rx=\"7\" ry=\"2.5\"\/><path d=\"M5 6v5c0 1.4 3.1 2.5 7 2.5s7-1.1 7-2.5V6\"\/><path d=\"M5 11v5c0 1.4 3.1 2.5 7 2.5s7-1.1 7-2.5v-5\"\/><\/svg><\/span>Personal loans and lines of credit<\/label>\n          <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-dti-personal\" placeholder=\"$0\" oninput=\"window.bfDtiFormat(this); window.bfDtiRecalc()\">\n        <\/div>\n        <div class=\"bf-dti-field-col\">\n          <label class=\"form-label\" for=\"bf-dti-other\"><span class=\"bf-dti-icon-chip bf-dti-icon-chip-sm bg-dark text-white\"><svg viewBox=\"0 0 24 24\" fill=\"currentColor\" class=\"bf-dti-svg\"><circle cx=\"5\" cy=\"12\" r=\"2\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><circle cx=\"19\" cy=\"12\" r=\"2\"\/><\/svg><\/span>Other required payments<\/label>\n          <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-dti-other\" placeholder=\"$0\" oninput=\"window.bfDtiFormat(this); window.bfDtiRecalc()\">\n          <p class=\"bf-dti-field-helper\">Child support, alimony, or any other loan obligation<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"bf-dti-accordion\" id=\"bf-dti-accordion\">\n      <button type=\"button\" class=\"bf-dti-accordion-toggle\" id=\"bf-dti-accordion-toggle\" onclick=\"window.bfDtiToggleMortgage()\" aria-expanded=\"false\" aria-controls=\"bf-dti-mortgage-panel\">\n        <span class=\"bf-dti-accordion-toggle-label\"><span class=\"bf-dti-icon-chip bf-dti-icon-chip-sm bg-tertiary text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><path d=\"M3 11l9-7 9 7\"\/><path d=\"M5 10v10h14V10\"\/><\/svg><\/span>Thinking about buying a house?<\/span>\n        <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg bf-dti-accordion-chevron\"><path d=\"M6 9l6 6 6-6\"\/><\/svg>\n      <\/button>\n      <div class=\"bf-dti-accordion-panel\" id=\"bf-dti-mortgage-panel\">\n        <label class=\"form-label\" for=\"bf-dti-proposed-housing\">Proposed monthly mortgage payment<\/label>\n        <input type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" class=\"form-control\" id=\"bf-dti-proposed-housing\" placeholder=\"$0\" oninput=\"window.bfDtiFormat(this); window.bfDtiRecalc()\">\n        <p class=\"bf-dti-field-helper\">Principal, interest, property taxes, and insurance<\/p>\n      <\/div>\n    <\/div>\n\n    <div class=\"bf-dti-actions\">\n      <button type=\"button\" class=\"btn btn-tertiary bf-dti-calc-btn\" id=\"bf-dti-calc-btn\" onclick=\"window.bfDtiCalculate()\" disabled><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><rect x=\"4\" y=\"2\" width=\"16\" height=\"20\" rx=\"2\"\/><path d=\"M8 6h8\"\/><path d=\"M8 11h2M14 11h2M8 15h2M14 15h2M8 19h2M14 19h2\"\/><\/svg> Calculate my DTI<\/button>\n      <div class=\"bf-dti-reassurance\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><rect x=\"4\" y=\"10\" width=\"16\" height=\"10\" rx=\"2\"\/><path d=\"M8 10V7a4 4 0 0 1 8 0v3\"\/><\/svg><span>Nothing you enter is saved or sent anywhere.<\/span><\/div>\n    <\/div>\n\n  <\/div>\n\n  <div class=\"bf-dti-results\" id=\"bf-dti-results\">\n    <div class=\"bf-dti-card\">\n\n      <div class=\"bf-dti-primary-banner\" id=\"bf-dti-primary-banner\">\n        <div class=\"bf-dti-primary-banner-icon\" id=\"bf-dti-tier-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M8 14s1.5 2 4 2 4-2 4-2\"\/><path d=\"M9 9h.01M15 9h.01\"\/><\/svg><\/div>\n        <div class=\"bf-dti-primary-value\"><span id=\"bf-dti-value\">0.0<\/span><span class=\"bf-dti-unit\">%<\/span><\/div>\n        <div class=\"bf-dti-primary-caption\">your debt-to-income ratio<\/div>\n        <div class=\"bf-dti-tier-pill bf-tier-good\" id=\"bf-dti-tier-pill\">\n          <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M8 14s1.5 2 4 2 4-2 4-2\"\/><path d=\"M9 9h.01M15 9h.01\"\/><\/svg>\n          <span id=\"bf-dti-tier-label\">Comfortable<\/span>\n        <\/div>\n      <\/div>\n\n      <div class=\"bf-dti-stats-row\">\n        <span class=\"bf-dti-stat-pill bf-dti-stat-primary\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><path d=\"M6 3h12v18l-3-2-3 2-3-2-3 2z\"\/><path d=\"M9 8h6M9 12h6M9 16h4\"\/><\/svg>Monthly obligations <strong id=\"bf-dti-obligations-out\">$0<\/strong><\/span>\n        <span class=\"bf-dti-stat-pill bf-dti-stat-tertiary\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><rect x=\"2\" y=\"6\" width=\"20\" height=\"14\" rx=\"2\"\/><path d=\"M2 10h20\"\/><circle cx=\"17\" cy=\"14\" r=\"1.3\" fill=\"currentColor\" stroke=\"none\"\/><\/svg>Monthly gross income <strong id=\"bf-dti-income-out\">$0<\/strong><\/span>\n        <span class=\"bf-dti-stat-pill bf-dti-stat-secondary\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><path d=\"M3 11l9-7 9 7\"\/><path d=\"M5 10v10h14V10\"\/><\/svg>Front-end (housing only) <strong id=\"bf-dti-frontend-out\">0.0%<\/strong><\/span>\n      <\/div>\n\n      <div class=\"bf-dti-scale\">\n        <div class=\"bf-dti-scale-track\">\n          <div class=\"bf-dti-scale-fill bf-tier-good\" id=\"bf-dti-scale-fill\" style=\"width:0%\"><\/div>\n          <div class=\"bf-dti-scale-pointer bf-tier-good\" id=\"bf-dti-scale-pointer\" style=\"left:0%\"><\/div>\n          <div class=\"bf-dti-scale-tick\" style=\"left:36%\"><\/div>\n          <div class=\"bf-dti-scale-tick\" style=\"left:45%\"><\/div>\n          <div class=\"bf-dti-scale-tick\" style=\"left:50%\"><\/div>\n          <div class=\"bf-dti-scale-tick-label\" style=\"left:36%\">36<\/div>\n          <div class=\"bf-dti-scale-tick-label\" style=\"left:45%\">45<\/div>\n          <div class=\"bf-dti-scale-tick-label\" style=\"left:50%\">50<\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"bf-dti-tier-box bf-tier-good\" id=\"bf-dti-tier-box\">\n        <div id=\"bf-dti-tier-copy\"><\/div>\n      <\/div>\n\n      <div class=\"bf-dti-routing\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 11v5\"\/><path d=\"M12 8h.01\"\/><\/svg> Want to understand what this number means and where the thresholds come from? See <a href=\"https:\/\/www.beyondfinance.com\/blog\/debt-to-income-ratio\/\">debt-to-income ratio: what it is and what&#8217;s considered good<\/a>.<\/div>\n\n      <div class=\"bf-dti-qualifying\" id=\"bf-dti-qualifying\">\n        <h2><span class=\"bf-dti-icon-chip bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><path d=\"M3 11l9-7 9 7\"\/><path d=\"M5 10v10h14V10\"\/><path d=\"M9.5 15.3l1.5 1.5 3-3\"\/><\/svg><\/span>If you took on that mortgage<\/h2>\n        <div class=\"bf-dti-qualifying-value\"><span id=\"bf-dti-qualifying-value\">0.0<\/span>%<\/div>\n        <div class=\"bf-dti-tier-pill bf-dti-tier-pill-inline bf-tier-good\" id=\"bf-dti-qualifying-pill\">\n          <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M8 14s1.5 2 4 2 4-2 4-2\"\/><path d=\"M9 9h.01M15 9h.01\"\/><\/svg>\n          <span id=\"bf-dti-qualifying-label\">Comfortable<\/span>\n        <\/div>\n        <p class=\"bf-dti-qualifying-flow\">Lenders evaluate your future obligations, so the proposed payment replaces what you&#8217;re paying for housing now. That&#8217;s why this number is usually higher than the one above.<\/p>\n        <p class=\"bf-dti-qualifying-flow\">Current: <strong id=\"bf-dti-qualifying-current\">0.0%<\/strong> &rarr; With the new mortgage: <strong id=\"bf-dti-qualifying-new\">0.0%<\/strong><br>Front-end with the new payment: <strong id=\"bf-dti-qualifying-frontend\">0.0%<\/strong><\/p>\n\n        <div class=\"bf-dti-tier-box bf-tier-good\" id=\"bf-dti-qualifying-tier-box\">\n          <div id=\"bf-dti-qualifying-tier-copy\"><\/div>\n        <\/div>\n\n        <div class=\"bf-dti-reverse-box\" id=\"bf-dti-reverse-box\">\n          <h3 class=\"bf-dti-reverse-heading\"><span class=\"bf-dti-icon-chip bg-tertiary text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><path d=\"M3 3v18h18\"\/><path d=\"M7 15l4-4 3 3 5-6\"\/><\/svg><\/span>What your income could support<\/h3>\n          <div class=\"bf-dti-reverse-cards\" id=\"bf-dti-reverse-cards\"><\/div>\n          <div class=\"bf-dti-reverse-note\" id=\"bf-dti-reverse-copy\"><\/div>\n        <\/div>\n\n        <div class=\"bf-dti-routing\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 11v5\"\/><path d=\"M12 8h.01\"\/><\/svg> For what lenders actually look at, how loan type changes the answer, and the timing that trips people up, see <a href=\"https:\/\/www.beyondfinance.com\/blog\/debt-to-income-ratio-mortgage\/\">DTI and getting a mortgage<\/a>.<\/div>\n      <\/div>\n\n      <div class=\"bf-dti-leverage-box\">\n        <h3><span class=\"bf-dti-icon-chip bg-tertiary text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><path d=\"M9 18h6\"\/><path d=\"M10 22h4\"\/><path d=\"M12 2a6 6 0 0 0-4 10.5c.7.6 1 1.3 1 2.5h6c0-1.2.3-1.9 1-2.5A6 6 0 0 0 12 2z\"\/><\/svg><\/span>Where the leverage usually is<\/h3>\n        <p>Because DTI counts monthly payments rather than balances, clearing a small debt outright can move your ratio more than paying a large sum toward a big one.<\/p>\n        <p>Take someone with a car loan that has $2,200 left and a $350 monthly payment, alongside a credit card with $20,000 on it and a $250 minimum. On a $5,000 monthly income, paying $2,000 toward the card drops the minimum by about $25 &mdash; roughly half a point of DTI. Clearing the car loan instead removes the whole $350 payment, which takes about seven points off. Nearly the same money, fourteen times the effect.<\/p>\n        <p>Which means the most efficient debts to target are the ones you can eliminate completely, smallest payoff amount first &mdash; not necessarily the largest balances.<\/p>\n        <p>One caveat worth holding onto: this is about your <em>ratio<\/em>, not about what your debt <em>costs<\/em>. A high-interest credit card may be the more expensive debt even if paying it down barely moves this number. If your goal is getting out of debt rather than hitting a ratio, the interest rate matters more than the payment size. We work through both in <a href=\"https:\/\/www.beyondfinance.com\/blog\/how-to-lower-debt-to-income-ratio\/\">how to lower your debt-to-income ratio<\/a>.<\/p>\n      <\/div>\n\n      <div class=\"bf-dti-cta-box\" id=\"bf-dti-cta-box\">\n        <div class=\"bf-dti-cta-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><circle cx=\"12\" cy=\"12\" r=\"4\"\/><path d=\"M5 5l4 4M19 5l-4 4M5 19l4-4M19 19l-4-4\"\/><\/svg><\/div>\n        <div>When a large share of a high ratio is credit card minimums, the usual advice runs out of room &mdash; those balances shrink slowly, so the ratio does too. The debt is the problem, and it&#8217;s what needs solving. There&#8217;s no cost to <a href=\"https:\/\/www.beyondfinance.com\/free-evaluation\/\">seeing what options are available<\/a> to you.<\/div>\n      <\/div>\n\n    <\/div>\n  <\/div>\n\n  <div class=\"bf-dti-below\">\n    <h2><span class=\"bf-dti-icon-chip bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><circle cx=\"12\" cy=\"12\" r=\"3\"\/><path d=\"M19.4 15a1.7 1.7 0 0 0 .3 1.9l.1.1a2 2 0 1 1-2.8 2.8l-.1-.1a1.7 1.7 0 0 0-1.9-.3 1.7 1.7 0 0 0-1 1.5V21a2 2 0 1 1-4 0v-.1a1.7 1.7 0 0 0-1-1.6 1.7 1.7 0 0 0-1.9.3l-.1.1a2 2 0 1 1-2.8-2.8l.1-.1a1.7 1.7 0 0 0 .3-1.9 1.7 1.7 0 0 0-1.5-1H3a2 2 0 1 1 0-4h.1a1.7 1.7 0 0 0 1.6-1 1.7 1.7 0 0 0-.3-1.9l-.1-.1a2 2 0 1 1 2.8-2.8l.1.1a1.7 1.7 0 0 0 1.9.3H9a1.7 1.7 0 0 0 1-1.5V3a2 2 0 1 1 4 0v.1a1.7 1.7 0 0 0 1 1.5 1.7 1.7 0 0 0 1.9-.3l.1-.1a2 2 0 1 1 2.8 2.8l-.1.1a1.7 1.7 0 0 0-.3 1.9V9a1.7 1.7 0 0 0 1.5 1H21a2 2 0 1 1 0 4h-.1a1.7 1.7 0 0 0-1.5 1z\"\/><\/svg><\/span>How this works<\/h2>\n    <p><strong>It&#8217;s built on payments, not balances.<\/strong> DTI counts what you&#8217;re required to pay each month, not what you owe in total. A $30,000 auto loan with a $400 payment counts as $400. A $30,000 credit card balance with a $250 minimum counts as $250 &mdash; which is part of why the measure can understate how much trouble a large card balance is.<\/p>\n    <p><strong>Housing counts, even if you rent.<\/strong> Rent isn&#8217;t a debt, but DTI includes it anyway, because the measure is really about fixed monthly obligations rather than debt specifically.<\/p>\n    <p><strong>What&#8217;s left out.<\/strong> Utilities, groceries, insurance premiums, childcare, subscriptions, and anything else that flexes month to month. That&#8217;s a genuine limitation &mdash; those are real claims on your income &mdash; but it&#8217;s how lenders calculate it, so it&#8217;s how we calculate it.<\/p>\n\n    <h2><span class=\"bf-dti-icon-chip bg-secondary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9.5 9a2.5 2.5 0 1 1 3.5 2.3c-.8.4-1 .9-1 1.7\"\/><path d=\"M12 17h.01\"\/><\/svg><\/span>FAQ<\/h2>\n\n    <div class=\"bf-dti-faq-item\">\n      <h3><span class=\"bf-dti-icon-chip bf-dti-icon-chip-sm bg-primary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9.5 9a2.5 2.5 0 1 1 3.5 2.3c-.8.4-1 .9-1 1.7\"\/><path d=\"M12 17h.01\"\/><\/svg><\/span>Should I use gross or net income?<\/h3>\n      <p>Gross &mdash; your income before taxes. That&#8217;s the figure lenders work from, so a calculation based on take-home pay will come out lower than the number they&#8217;d arrive at.<\/p>\n    <\/div>\n    <div class=\"bf-dti-faq-item\">\n      <h3><span class=\"bf-dti-icon-chip bf-dti-icon-chip-sm bg-tertiary text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9.5 9a2.5 2.5 0 1 1 3.5 2.3c-.8.4-1 .9-1 1.7\"\/><path d=\"M12 17h.01\"\/><\/svg><\/span>What should I enter for my housing payment?<\/h3>\n      <p>Your total monthly housing cost &mdash; rent, or mortgage principal and interest plus property taxes, homeowners insurance, and HOA fees if you pay them separately. Housing counts toward DTI even though rent isn&#8217;t technically a debt.<\/p>\n    <\/div>\n    <div class=\"bf-dti-faq-item\">\n      <h3><span class=\"bf-dti-icon-chip bf-dti-icon-chip-sm bg-secondary text-white\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9.5 9a2.5 2.5 0 1 1 3.5 2.3c-.8.4-1 .9-1 1.7\"\/><path d=\"M12 17h.01\"\/><\/svg><\/span>Which debt should I pay off first to lower my DTI?<\/h3>\n      <p>Generally the one you can clear completely for the least money, rather than the one with the largest balance. Because DTI counts monthly payments, eliminating a whole payment moves your ratio far more than reducing a big balance does. Say you have $2,200 available: put it toward a $20,000 credit card and the minimum drops by around $25. Use it to clear a $2,200 car loan instead and that entire $350 payment disappears &mdash; well over ten times the effect on your ratio, from the same money. Worth noting that&#8217;s a different question from which debt costs you the most &mdash; for that, interest rate matters more.<\/p>\n    <\/div>\n    <div class=\"bf-dti-faq-item\">\n      <h3><span class=\"bf-dti-icon-chip bf-dti-icon-chip-sm bg-success text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9.5 9a2.5 2.5 0 1 1 3.5 2.3c-.8.4-1 .9-1 1.7\"\/><path d=\"M12 17h.01\"\/><\/svg><\/span>Why is the number here different from what my lender told me?<\/h3>\n      <p>Lenders verify income and obligations, and they may count some things differently than you&#8217;ve entered them. Deferred student loans, co-signed debt, and debts with only a few payments remaining all get specific treatment in mortgage underwriting. This is an estimate based on what you typed, not a determination.<\/p>\n    <\/div>\n    <div class=\"bf-dti-faq-item\">\n      <h3><span class=\"bf-dti-icon-chip bf-dti-icon-chip-sm bg-warning text-dark\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"bf-dti-svg\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M9.5 9a2.5 2.5 0 1 1 3.5 2.3c-.8.4-1 .9-1 1.7\"\/><path d=\"M12 17h.01\"\/><\/svg><\/span>Why doesn&#8217;t this ask about my credit score?<\/h3>\n      <p>Because DTI is calculated from income and obligations only &mdash; your score isn&#8217;t part of the formula. It matters separately, though. For conventional mortgages, a stronger credit score can raise the ratio a lender will accept.<\/p>\n    <\/div>\n\n    <div class=\"bf-dti-disclosure\">\n      <p><strong>About this calculator.<\/strong> This tool is provided as a general educational resource and is not an approval or denial of credit. Results are estimates based only on the figures you enter. When you apply for credit, a lender will calculate your ratio using verified income and obligations, and their result may differ from what you see here.<\/p>\n      <p>The information on this site is provided as a general resource and does not constitute legal, tax, credit management, or financial advice. While Beyond Finance strives to ensure accuracy, this content, including any third-party sources referenced, should not be the basis for any financial decision. For guidance specific to your situation, we recommend consulting a qualified professional.<\/p>\n    <\/div>\n  <\/div>\n\n<\/div>\n\n<script>\nfunction bfDigitsBefore(str, pos) {\n  var count = 0;\n  var i = 0;\n  while (i < pos) {\n    var ch = str.charAt(i);\n    if (ch >= \"0\") {\n      if (ch <= \"9\") { count = count + 1; }\n    }\n    if (ch === \".\") { count = count + 1; }\n    i = i + 1;\n  }\n  return count;\n}\nfunction bfAddCommas(intPart) {\n  return intPart.replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, \",\");\n}\nwindow.bfDtiFormat = function (el) {\n  var raw = el.value;\n  var caret = el.selectionStart;\n  if (caret === null) { caret = raw.length; }\n  var wanted = bfDigitsBefore(raw, caret);\n  var cleaned = raw.replace(\/[^0-9.]\/g, \"\");\n  var firstDot = cleaned.indexOf(\".\");\n  if (firstDot !== -1) {\n    var head = cleaned.slice(0, firstDot + 1);\n    var tail = cleaned.slice(firstDot + 1).replace(\/\\.\/g, \"\");\n    cleaned = head + tail;\n  }\n  if (cleaned === \"\") {\n    el.value = \"\";\n    return;\n  }\n  var parts = cleaned.split(\".\");\n  var intPart = parts[0];\n  var decPart = \"\";\n  if (parts.length > 1) { decPart = parts[1].slice(0, 2); }\n  var formatted = bfAddCommas(intPart);\n  if (parts.length > 1) { formatted = formatted + \".\" + decPart; }\n  el.value = formatted;\n  var newPos = 0;\n  var seen = 0;\n  while (newPos < formatted.length) {\n    if (seen >= wanted) { break; }\n    var c = formatted.charAt(newPos);\n    if (c !== \",\") { seen = seen + 1; }\n    newPos = newPos + 1;\n  }\n  el.setSelectionRange(newPos, newPos);\n};\nfunction bfNum(id) {\n  var el = document.getElementById(id);\n  var raw = el.value.replace(\/,\/g, \"\");\n  var v = parseFloat(raw);\n  if (isNaN(v)) { return 0; }\n  if (v < 0) { return 0; }\n  return v;\n}\nfunction bfFormatDollars(n) {\n  var rounded = Math.round(n);\n  return \"$\" + rounded.toLocaleString(\"en-US\");\n}\nfunction bfFormatPercent(n) {\n  return n.toFixed(1);\n}\nwindow.bfDtiUpdateIncome = function () {\n  var raw = document.getElementById(\"bf-dti-income\").value.replace(\/,\/g, \"\");\n  var income = parseFloat(raw);\n  var note = document.getElementById(\"bf-dti-monthly-note\");\n  var btn = document.getElementById(\"bf-dti-calc-btn\");\n  if (isNaN(income)) {\n    note.textContent = \"\";\n    btn.disabled = true;\n    return;\n  }\n  if (income <= 0) {\n    note.textContent = \"\";\n    btn.disabled = true;\n    return;\n  }\n  var monthly = income \/ 12;\n  note.textContent = \"That's \" + bfFormatDollars(monthly) + \" per month.\";\n  btn.disabled = false;\n  window.bfDtiRecalc();\n};\nwindow.bfDtiToggleMortgage = function () {\n  var acc = document.getElementById(\"bf-dti-accordion\");\n  var toggle = document.getElementById(\"bf-dti-accordion-toggle\");\n  var isActive = acc.classList.contains(\"bf-active\");\n  if (isActive) {\n    acc.classList.remove(\"bf-active\");\n    toggle.setAttribute(\"aria-expanded\", \"false\");\n    return;\n  }\n  acc.classList.add(\"bf-active\");\n  toggle.setAttribute(\"aria-expanded\", \"true\");\n};\nfunction bfGetTier(dti) {\n  if (dti < 36) { return { key: \"good\" }; }\n  if (dti < 45) { return { key: \"watch\" }; }\n  if (dti < 50) { return { key: \"caution\" }; }\n  return { key: \"high\" };\n}\nfunction bfTierIconPath(tierKey) {\n  if (tierKey === \"good\") { return \"<circle cx=\\\"12\\\" cy=\\\"12\\\" r=\\\"9\\\"\/><path d=\\\"M8 14s1.5 2 4 2 4-2 4-2\\\"\/><path d=\\\"M9 9h.01M15 9h.01\\\"\/>\"; }\n  if (tierKey === \"watch\") { return \"<circle cx=\\\"12\\\" cy=\\\"12\\\" r=\\\"9\\\"\/><path d=\\\"M8 15h8\\\"\/><path d=\\\"M9 9h.01M15 9h.01\\\"\/>\"; }\n  if (tierKey === \"caution\") { return \"<path d=\\\"M12 3l10 18H2z\\\"\/><path d=\\\"M12 9v5\\\"\/><path d=\\\"M12 17h.01\\\"\/>\"; }\n  return \"<path d=\\\"M8 2h8l6 6v8l-6 6H8l-6-6V8z\\\"\/><path d=\\\"M12 8v5\\\"\/><path d=\\\"M12 16h.01\\\"\/>\";\n}\nfunction bfTierIcon(tierKey) {\n  return \"<svg viewBox=\\\"0 0 24 24\\\" fill=\\\"none\\\" stroke=\\\"currentColor\\\" stroke-width=\\\"2\\\" stroke-linecap=\\\"round\\\" stroke-linejoin=\\\"round\\\" width=\\\"22\\\" height=\\\"22\\\">\" + bfTierIconPath(tierKey) + \"<\/svg>\";\n}\nfunction bfTierLabel(tierKey) {\n  if (tierKey === \"good\") { return \"Comfortable\"; }\n  if (tierKey === \"watch\") { return \"Manageable\"; }\n  if (tierKey === \"caution\") { return \"Closer look\"; }\n  return \"High\";\n}\nfunction bfTierCopy(tierKey) {\n  if (tierKey === \"good\") {\n    return \"That's comfortable. You're inside the threshold most conventional mortgage lenders use for manual underwriting, and you likely have room to absorb an unexpected expense or take on a new obligation if you needed to.\";\n  }\n  if (tierKey === \"watch\") {\n    return \"Manageable, but with less margin. You're above the standard 36% threshold, though conventional guidelines allow up to 45% for borrowers who meet certain credit score and reserve requirements. Worth knowing that a stronger credit score can raise the ratio a lender will accept.\";\n  }\n  if (tierKey === \"caution\") {\n    return \"This is where more lenders start to look closely. Loans that run through automated underwriting can go as high as 50%, depending on the full picture, so this isn't a closed door. But your debt payments are taking up a large share of your income, which limits what else it can do.\";\n  }\n  return \"More than half your gross income is committed to debt and housing before you've bought groceries or paid a utility bill. That's a difficult position to hold for long. It's also a description of a situation rather than a judgment \\u2014 ratios climb for entirely ordinary reasons, and this one responds to change faster than most financial numbers do.\";\n}\nfunction bfZeroObligationsCopy() {\n  return \"You didn't enter any monthly obligations, so this reflects your income alone. Add what you owe above for the fuller picture.\";\n}\nwindow.bfDtiCalculate = function () {\n  var rendered = window.bfDtiRender();\n  if (!rendered) { return; }\n  window.bfDtiShown = true;\n  var resultsEl = document.getElementById(\"bf-dti-results\");\n  resultsEl.scrollIntoView({ behavior: \"smooth\", block: \"start\" });\n};\nwindow.bfDtiRecalc = function () {\n  if (!window.bfDtiShown) { return; }\n  window.bfDtiRender();\n};\nwindow.bfDtiRender = function () {\n  var income = bfNum(\"bf-dti-income\");\n  if (income <= 0) { return false; }\n  var monthlyIncome = income \/ 12;\n  var housing = bfNum(\"bf-dti-housing\");\n  var auto = bfNum(\"bf-dti-auto\");\n  var student = bfNum(\"bf-dti-student\");\n  var cards = bfNum(\"bf-dti-cards\");\n  var personal = bfNum(\"bf-dti-personal\");\n  var other = bfNum(\"bf-dti-other\");\n  var totalObligations = housing + auto + student + cards + personal + other;\n  var backEndDTI = (totalObligations \/ monthlyIncome) * 100;\n  var frontEndDTI = (housing \/ monthlyIncome) * 100;\n  document.getElementById(\"bf-dti-value\").textContent = bfFormatPercent(backEndDTI);\n  document.getElementById(\"bf-dti-obligations-out\").textContent = bfFormatDollars(totalObligations);\n  document.getElementById(\"bf-dti-income-out\").textContent = bfFormatDollars(monthlyIncome);\n  document.getElementById(\"bf-dti-frontend-out\").textContent = bfFormatPercent(frontEndDTI) + \"%\";\n  var fillPct = backEndDTI;\n  if (fillPct > 100) { fillPct = 100; }\n  if (fillPct < 0) { fillPct = 0; }\n  var tier = bfGetTier(backEndDTI);\n  var fillEl = document.getElementById(\"bf-dti-scale-fill\");\n  fillEl.className = \"bf-dti-scale-fill bf-tier-\" + tier.key;\n  fillEl.style.width = fillPct + \"%\";\n  var pointerEl = document.getElementById(\"bf-dti-scale-pointer\");\n  pointerEl.className = \"bf-dti-scale-pointer bf-tier-\" + tier.key;\n  pointerEl.style.left = fillPct + \"%\";\n  var tierIconEl = document.getElementById(\"bf-dti-tier-icon\");\n  tierIconEl.innerHTML = bfTierIcon(tier.key);\n  var tierPillEl = document.getElementById(\"bf-dti-tier-pill\");\n  tierPillEl.className = \"bf-dti-tier-pill bf-tier-\" + tier.key;\n  tierPillEl.querySelector(\"svg\").innerHTML = bfTierIconPath(tier.key);\n  document.getElementById(\"bf-dti-tier-label\").textContent = bfTierLabel(tier.key);\n  var tierBox = document.getElementById(\"bf-dti-tier-box\");\n  tierBox.className = \"bf-dti-tier-box bf-tier-\" + tier.key;\n  var tierCopyEl = document.getElementById(\"bf-dti-tier-copy\");\n  if (totalObligations === 0) {\n    tierCopyEl.innerHTML = \"<p>\" + bfZeroObligationsCopy() + \"<\/p>\";\n  } else {\n    tierCopyEl.innerHTML = \"<p>\" + bfTierCopy(tier.key) + \"<\/p>\";\n  }\n  var ctaBox = document.getElementById(\"bf-dti-cta-box\");\n  if (backEndDTI > 50) {\n    ctaBox.classList.add(\"bf-active\");\n  } else {\n    ctaBox.classList.remove(\"bf-active\");\n  }\n  var proposedHousing = bfNum(\"bf-dti-proposed-housing\");\n  var qualifyingBlock = document.getElementById(\"bf-dti-qualifying\");\n  if (proposedHousing > 0) {\n    qualifyingBlock.classList.add(\"bf-active\");\n    var qualifyingObligations = totalObligations - housing + proposedHousing;\n    var qualifyingDTI = (qualifyingObligations \/ monthlyIncome) * 100;\n    var qualifyingFront = (proposedHousing \/ monthlyIncome) * 100;\n    document.getElementById(\"bf-dti-qualifying-value\").textContent = bfFormatPercent(qualifyingDTI);\n    document.getElementById(\"bf-dti-qualifying-current\").textContent = bfFormatPercent(backEndDTI) + \"%\";\n    document.getElementById(\"bf-dti-qualifying-new\").textContent = bfFormatPercent(qualifyingDTI) + \"%\";\n    document.getElementById(\"bf-dti-qualifying-frontend\").textContent = bfFormatPercent(qualifyingFront) + \"%\";\n    var qTier = bfGetTier(qualifyingDTI);\n    var qTierBox = document.getElementById(\"bf-dti-qualifying-tier-box\");\n    qTierBox.className = \"bf-dti-tier-box bf-tier-\" + qTier.key;\n    document.getElementById(\"bf-dti-qualifying-tier-copy\").innerHTML = \"<p>\" + bfTierCopy(qTier.key) + \"<\/p>\";\n    var qPillEl = document.getElementById(\"bf-dti-qualifying-pill\");\n    qPillEl.className = \"bf-dti-tier-pill bf-dti-tier-pill-inline bf-tier-\" + qTier.key;\n    qPillEl.querySelector(\"svg\").innerHTML = bfTierIconPath(qTier.key);\n    document.getElementById(\"bf-dti-qualifying-label\").textContent = bfTierLabel(qTier.key);\n    var reverseConservative = (monthlyIncome * 0.36) - (totalObligations - housing);\n    var reverseStretch = (monthlyIncome * 0.45) - (totalObligations - housing);\n    var reverseBox = document.getElementById(\"bf-dti-reverse-box\");\n    var reverseCopyEl = document.getElementById(\"bf-dti-reverse-copy\");\n    var reverseCardsEl = document.getElementById(\"bf-dti-reverse-cards\");\n    var conservativeOk = reverseConservative > 0;\n    var stretchOk = reverseStretch > 0;\n    var cardConservative = \"<div class=\\\"bf-dti-reverse-card\\\"><div class=\\\"bf-dti-reverse-card-label\\\">At a 36% ratio<\/div><div class=\\\"bf-dti-reverse-card-value\\\">\" + bfFormatDollars(reverseConservative) + \"<\/div><div class=\\\"bf-dti-reverse-card-sub\\\">per month<\/div><\/div>\";\n    var cardStretch = \"<div class=\\\"bf-dti-reverse-card\\\"><div class=\\\"bf-dti-reverse-card-label\\\">At a 45% ratio<\/div><div class=\\\"bf-dti-reverse-card-value\\\">\" + bfFormatDollars(reverseStretch) + \"<\/div><div class=\\\"bf-dti-reverse-card-sub\\\">per month<\/div><\/div>\";\n    if (!conservativeOk) {\n      if (!stretchOk) {\n        reverseBox.classList.remove(\"bf-active\");\n      } else {\n        reverseBox.classList.add(\"bf-active\");\n        reverseCardsEl.innerHTML = cardStretch;\n        reverseCopyEl.innerHTML = \"<p>Working it backward, your income and existing obligations could support a housing payment of roughly <strong>\" + bfFormatDollars(reverseStretch) + \"<\/strong> at a 45% ratio \\u2014 available to borrowers who meet certain credit score and reserve requirements. That includes property taxes and insurance, not just principal and interest.<\/p>\";\n      }\n    } else {\n      if (!stretchOk) {\n        reverseBox.classList.add(\"bf-active\");\n        reverseCardsEl.innerHTML = cardConservative;\n        reverseCopyEl.innerHTML = \"<p>Working it backward, your income and existing obligations could support a housing payment of roughly <strong>\" + bfFormatDollars(reverseConservative) + \"<\/strong> at a 36% ratio. That includes property taxes and insurance, not just principal and interest.<\/p>\";\n      } else {\n        reverseBox.classList.add(\"bf-active\");\n        reverseCardsEl.innerHTML = cardConservative + cardStretch;\n        reverseCopyEl.innerHTML = \"<p>Working it backward, your income and existing obligations could support a housing payment of roughly <strong>\" + bfFormatDollars(reverseConservative) + \"<\/strong> at a 36% ratio, or up to about <strong>\" + bfFormatDollars(reverseStretch) + \"<\/strong> at 45% \\u2014 the higher figure being available to borrowers who meet certain credit score and reserve requirements. Both include property taxes and insurance, not just principal and interest.<\/p>\";\n      }\n    }\n  } else {\n    qualifyingBlock.classList.remove(\"bf-active\");\n  }\n  document.getElementById(\"bf-dti-results\").classList.add(\"bf-active\");\n  return true;\n};\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Enter your income and monthly payments to get your debt-to-income ratio, plus a housing-only figure. You&#8217;ll see where your number sits against the thresholds lenders actually use \u2014 and what it would take to move it.<\/p>\n","protected":false},"author":11,"featured_media":6878,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[187,186],"tags":[],"class_list":["post-6876","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-and-debt","category-financial-wellness-tools"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Debt-to-Income Calculator - Beyond Finance<\/title>\n<meta name=\"description\" content=\"Free DTI calculator: see your debt-to-income ratio, what the real lender thresholds are, and what you&#039;d need to change to move the number.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.beyondfinance.com\/blog\/debt-to-income-calculator\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Debt-to-Income Calculator - Beyond Finance\" \/>\n<meta property=\"og:description\" content=\"Free DTI calculator: see your debt-to-income ratio, what the real lender thresholds are, and what you&#039;d need to change to move the number.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.beyondfinance.com\/blog\/debt-to-income-calculator\/\" \/>\n<meta property=\"og:site_name\" content=\"Beyond Finance\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-07T18:30:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-15T22:31:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2026\/09\/Blog_Stella_Artboard-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t<meta property=\"og:image:height\" content=\"863\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Stella Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Stella Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/debt-to-income-calculator\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/debt-to-income-calculator\\\/\"},\"author\":{\"name\":\"Stella Martin\",\"@id\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/#\\\/schema\\\/person\\\/024257f55492e1915da34c62cb983536\"},\"headline\":\"Debt-to-Income Calculator\",\"datePublished\":\"2026-09-07T18:30:10+00:00\",\"dateModified\":\"2026-09-15T22:31:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/debt-to-income-calculator\\\/\"},\"wordCount\":1201,\"publisher\":{\"@id\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/debt-to-income-calculator\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/Blog_Stella_Artboard-2.jpg\",\"articleSection\":[\"Credit &amp; 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