Your Debt-to-Income ratio is the number lenders use to determine how much you can borrow — yet most homebuyers have never seen it. We'll show you yours in 60 seconds. No credit pull. No 47 lenders calling.
Most homebuyers spend months obsessing over their credit score — but lenders have a second number that can quietly kill a deal.
A borrower with a perfect 800 FICO can still be denied if their DTI is too high. And someone with a higher DTI than they expected? There are programs, strategies, and options most people never hear about. That's exactly what we help you see — your full picture, in 60 seconds, for free. Whatever your number, we can help you work with it.
No credit pull. No commitment. Just clear answers about what you can afford.
Annual or monthly. Add a co-borrower if needed. We never touch your credit.
Car loans, student debt, credit cards. Each one affects your DTI and buying power in real time.
Both front-end and back-end ratios, estimated buying power, and full PITI breakdown.
Know which debts to address, which programs fit, and exactly what to do before you apply.
Whether you're purchasing your first home or exploring a refinance, we've got you covered.
See your estimated DTI, potential buying power, full PITI breakdown, 6 loan programs, what-if scenarios, and a personalized action plan — all in under a minute.
Start calculating →Compare your current rate vs. a new scenario, see your equity, and explore cash-out options to consolidate debt or fund home improvements — all in one place.
Compare now →Our tool shows you the same picture lenders see — without a credit pull or selling your information.
Every result is personalized to your income, debts, and goals — no two are the same.
Real people. Real clarity. Real confidence going into their lender conversations.
Individual experiences shared for illustrative purposes. Results vary. MyDTI.com is an educational tool and does not guarantee any lending outcome.
60 seconds. No credit check. No spam calls. Completely free.