Calculators
Free Veteran Tool
Debt-to-Income Calculator.
Calculate your debt-to-income ratio to see if you qualify for a VA loan. DTI is one of the key numbers lenders use to gauge your ability to repay — know yours before you talk to anyone.
41%
VA DTI Guideline
2
Ratios Calculated
8
Debt Inputs Tracked
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Income & Housing
Before taxes and deductions
Include PITI + HOA
Monthly Debt Payments
Enter your income and debts to see your DTI analysis.
Results update automatically as you type.
What is DTI?
Debt-to-Income ratio compares your monthly debt payments to your gross monthly income:
- Front-End DTI: Housing payment / Income
- Back-End DTI: (Housing + All Debts) / Income
VA Loan DTI Guidelines
- Maximum DTI: Typically 41% (can be higher with compensating factors)
- Compensating Factors: Strong residual income, excellent credit, significant assets
- Flexibility: VA loans are more flexible than conventional loans
Know your DTI? Let's get you preapproved.
A preapproval confirms what you can actually afford — no cost, no obligation.