DEBT-TO-INCOME CALCULATOR

What's your debt-to-income ratio?

Lenders use this number more than almost anything else to decide what you can borrow. Enter your income and monthly debts to see where you stand.

Debt-to-Income Calculator | Yellow

Monthly income

Gross monthly income

Before taxes — combine both incomes if you're buying with someone else.

Monthly debts

Car payment(s)

Student loans

Credit cards (min. pmts)

Other loans

Housing payment

Proposed monthly payment

Include principal, interest, taxes, insurance, and HOA dues if any. Not sure yet? Try the affordability calculator first.

Your ratios

Front-end ratio — housing only 0%

0%28% typical ceiling60%

Back-end ratio — all debt 0%

0%36–43% typical range60%

Enter your numbers to see where you stand

This updates live as you type — nothing is saved or sent anywhere.

Get a real answer, not a rule of thumb

Pre-approval looks at your actual credit and finances — takes about 5 minutes to start.

These ranges are general guidelines — actual limits vary by lender and loan program (conventional, FHA, VA, USDA), and many lenders will go beyond 43% back-end with strong compensating factors like a larger down payment or higher credit score. This tool gives you a starting point, not a lending decision. For your first-time buyer basics, see the homebuyer roadmap.

What's your debt-to-income ratio?

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