DTI Calc - Mortgage Ready

Check your mortgage readiness instantly! Calculate your DTI ratio and see if you qualify for a home loan.

DTI Calc helps you instantly calculate your Debt-to-Income ratio - the #1 factor lenders use to approve mortgages.

WHAT IS DTI? Debt-to-Income (DTI) ratio compares your monthly debt payments to your gross monthly income. Lenders use this number to determine if you can afford a mortgage.

KEY FEATURES: • Calculate both Front-End and Back-End DTI • See your mortgage qualification status instantly • Find out your maximum affordable housing payment • Simple, clean interface - no account needed • Works offline - your data stays on your device

DTI GUIDELINES: • Under 20% = Excellent (Best rates available) • 20-35% = Good (Strong position) • 36-43% = Fair (May qualify with conditions) • Over 43% = Poor (Difficult to qualify)

THE 28/36 RULE: Lenders typically follow the 28/36 rule: • Housing costs should be ≤28% of gross income • Total debts should be ≤36% of gross income

PERFECT FOR: • First-time home buyers • Anyone considering a mortgage • Refinancing your current home • Financial planning

No sign-up required. No data collected. Just simple, accurate DTI calculations.

Download now and check your mortgage readiness!