.dti-calculator-container {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
background: #fff;
color: #333;
line-height: 1.6;
}
.dti-calc-box {
background: #f9f9f9;
border: 1px solid #e0e0e0;
border-radius: 8px;
padding: 25px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
margin-bottom: 30px;
}
.dti-calc-title {
text-align: center;
color: #2c3e50;
margin-bottom: 25px;
font-size: 24px;
font-weight: 700;
}
.dti-input-group {
margin-bottom: 15px;
display: flex;
justify-content: space-between;
align-items: center;
flex-wrap: wrap;
}
.dti-input-group label {
font-weight: 600;
color: #444;
flex: 1 0 200px;
margin-right: 10px;
}
.dti-input-wrapper {
position: relative;
flex: 0 1 150px;
}
.dti-input-wrapper input {
width: 100%;
padding: 10px 10px 10px 25px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
}
.dti-currency-symbol {
position: absolute;
left: 10px;
top: 50%;
transform: translateY(-50%);
color: #666;
}
.dti-section-header {
border-bottom: 2px solid #eee;
margin: 20px 0 15px;
padding-bottom: 5px;
font-size: 18px;
color: #2980b9;
font-weight: bold;
}
.dti-btn {
display: block;
width: 100%;
background-color: #27ae60;
color: white;
border: none;
padding: 15px;
font-size: 18px;
font-weight: bold;
border-radius: 4px;
cursor: pointer;
transition: background 0.3s;
margin-top: 20px;
}
.dti-btn:hover {
background-color: #219150;
}
.dti-results {
margin-top: 25px;
background: #fff;
border: 1px solid #ddd;
border-radius: 6px;
padding: 20px;
display: none;
}
.dti-result-row {
display: flex;
justify-content: space-between;
margin-bottom: 10px;
font-size: 16px;
}
.dti-total-ratio {
font-size: 28px;
font-weight: 800;
color: #2c3e50;
text-align: center;
margin: 15px 0;
padding: 15px;
background: #f0f8ff;
border-radius: 4px;
}
.dti-status-bar {
height: 10px;
background: #eee;
border-radius: 5px;
margin-top: 10px;
overflow: hidden;
}
.dti-status-fill {
height: 100%;
width: 0%;
background: #ccc;
transition: width 0.5s ease-in-out;
}
.dti-verdict {
text-align: center;
font-weight: bold;
margin-top: 10px;
font-size: 18px;
}
.dti-article h2 {
color: #2c3e50;
margin-top: 30px;
border-bottom: 1px solid #eee;
padding-bottom: 10px;
}
.dti-article p, .dti-article ul {
margin-bottom: 15px;
color: #555;
}
.dti-article li {
margin-bottom: 8px;
}
@media (max-width: 600px) {
.dti-input-group {
flex-direction: column;
align-items: flex-start;
}
.dti-input-wrapper {
width: 100%;
margin-top: 5px;
}
}
function calculateDTI() {
// 1. Get Inputs
var incomeInput = document.getElementById("dtiGrossIncome").value;
var rentInput = document.getElementById("dtiRentMortgage").value;
var carInput = document.getElementById("dtiCarLoan").value;
var studentInput = document.getElementById("dtiStudentLoan").value;
var ccInput = document.getElementById("dtiCreditCards").value;
var otherInput = document.getElementById("dtiOtherDebt").value;
// 2. Parse values (handle empty inputs as 0)
var income = parseFloat(incomeInput) || 0;
var rent = parseFloat(rentInput) || 0;
var car = parseFloat(carInput) || 0;
var student = parseFloat(studentInput) || 0;
var cc = parseFloat(ccInput) || 0;
var other = parseFloat(otherInput) || 0;
// 3. Validation
if (income <= 0) {
alert("Please enter a valid Gross Monthly Income greater than zero.");
return;
}
// 4. Calculations
var totalDebt = rent + car + student + cc + other;
var dtiRatio = (totalDebt / income) * 100;
// 5. Update DOM Elements
document.getElementById("displayTotalDebt").innerText = "$" + totalDebt.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById("displayTotalIncome").innerText = "$" + income.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById("displayRatio").innerText = dtiRatio.toFixed(2);
// Show results container
document.getElementById("dtiResult").style.display = "block";
// 6. Handle Visual Status Bar and Verdict
var statusBar = document.getElementById("dtiStatusBarFill");
var verdictText = document.getElementById("dtiVerdictText");
var color = "";
var message = "";
if (dtiRatio 35 && dtiRatio 43 && dtiRatio 100 ? 100 : dtiRatio;
statusBar.style.width = barWidth + "%";
statusBar.style.backgroundColor = color;
verdictText.innerText = message;
verdictText.style.color = color;
}
Debt-to-Income (DTI) Calculator
1. Monthly Income
$
2. Monthly Debt Payments
$
$
$
$
$
Total Monthly Debt:
$0.00
Gross Monthly Income:
$0.00
DTI Ratio: 0.00%
Understanding Your Debt-to-Income Ratio
Your Debt-to-Income (DTI) ratio is one of the most critical metrics lenders use to assess your financial health. Unlike your credit score, which measures your history of paying bills, your DTI measures your capacity to repay new debt.
Simply put, it is the percentage of your gross monthly income that goes toward paying your monthly debt obligations.
What is a Good DTI Ratio?
Lenders generally categorize DTI ratios into tiers of risk. While specific requirements vary by loan type (Conventional, FHA, VA), here are the general guidelines:
- 35% or less (Good): This is viewed favorably by lenders. It suggests you have plenty of disposable income and are living well within your means. You likely have good options for new credit.
- 36% to 43% (Manageable): This is the standard range for most mortgage lenders. You can usually still qualify for loans, though you may be asked to provide more documentation. 43% is often the "hard cutoff" for a Qualified Mortgage.
- 44% to 49% (High Risk): Getting approved becomes difficult. Lenders may require higher interest rates or larger down payments to mitigate the risk. FHA loans may still be an option depending on other factors.
- 50% or higher (Critical): At this level, more than half your income goes to debt. Most lenders will deny new loan applications. It is advisable to focus on debt repayment before seeking new financing.
Front-End vs. Back-End DTI
There are technically two types of DTI ratios that mortgage lenders analyze:
1. Front-End Ratio (Housing Ratio): This only calculates your projected housing expenses (mortgage principal, interest, taxes, insurance, and HOA fees) divided by your gross income. Lenders typically prefer this to be under 28%.
2. Back-End Ratio (Total Debt): This is the calculation performed above. It includes housing expenses plus all other recurring debts like car loans, student loans, and credit cards. Lenders prefer this to be under 36-43%.
How to Lower Your DTI
If your ratio is higher than desired, you have two mathematical levers to pull:
- Increase Income: This includes salary raises, side hustles, or including a co-borrower on a loan application.
- Reduce Monthly Debt: Pay off loans completely to eliminate the monthly obligation. Note that paying down a credit card balance helps, but eliminating the monthly payment entirely has the biggest impact on DTI.