Debt-to-Income
How much of your income goes to debt?
This debt-to-income calculator shows your front-end ratio (housing only) and back-end ratio (all debts) as a percentage of your gross monthly income, and compares them to the common lender guidelines lenders use to approve a Florida home loan.
Browser-only estimate
Where do your ratios stand?
Enter your income, your projected housing payment, and your other debts. Your ratios update as you type.
Mortgage, tax, insurance, HOA.
Car, cards, student loans, alimony, etc.
Front-end ratio (housing)
28.0%
Conventional guideline is 28%.
Back-end ratio (all debts)
36.0%
Conventional guideline is 36%; many programs cap at 43%.
How you compare
Healthy ratios, comfortably inside common guidelines.
- Housing payment
- $2,800
- Total monthly debts
- $3,600
- Gross monthly income
- $10,000
Estimates only, not a credit decision. Your lender confirms your ratios in pre-approval.
Get Pre-Approval GuidanceGet the real numbers
Bring your numbers to a free strategy call
This is a browser-only estimate to help you plan. Michael “Wiz” Wisniewski pairs the math with real lender quotes, current tax and insurance figures, and a plan that fits your goals. No obligation, no pressure.
This is a browser-only estimate, not a credit decision. Lenders weigh your credit score, assets, and the full picture, not just these ratios.
Common guidelines: 28% front / 36% back for a conventional loan, 43% as a practical ceiling for many programs, and 31/43 for FHA (per Fannie Mae and HUD/FHA underwriting guidelines).
Your real ratios come from a lender's pre-approval. Michael works with lenders he trusts to get you accurate numbers.