Debt to Income Calculator | Mortgage Qualification Spreadsheet (Google Sheets, Excel)

Description

Debt To Income Calculator — Do you qualify – and for how much house? This calculator finds your debt-to-income ratio the way a lender reads it, tells you if you pass the limits for your loan, and shows the most house your income actually supports.

What’s inside your Debt To Income Calculator

Editable in Google Sheets and Microsoft Excel. Change your income or one debt and every number updates.

What It Does

• Dashboard: your front-end and back-end DTI, a clear qualify / over-the-limit status, the max housing payment your income supports, and the max loan and home price behind it – plus a table of max housing by loan type
• Income: your gross monthly income and any co-borrower or other income lenders count
• Debts: your proposed housing payment plus every monthly debt – car, student loans, the minimum on credit cards, support payments
• How to Use: the 28/36 rule, the limits for different loan types, and how to improve your DTI

Calculates

• Front-end DTI – housing payment over gross income
• Back-end DTI – all monthly debt over gross income (the one lenders weigh most)
• Qualify status – against front and back limits you set
• Max housing payment – the lower of your two limits
• Max loan and max home price your income supports

Not just a yes or no: most DTI tools stop at “you qualify.” This one turns your ratios into a number you can act on – the most house your income allows, by loan type. Conventional loans often cap back-end DTI near 36%, while FHA and others go to 43-50%, so the same income supports more house under a more flexible loan. The table shows each.

Who it’s for

First-time buyers, anyone pre-qualifying, people refinancing, and the debt-conscious who want to see their ratios before a lender does.

Explore more in our Real Estate Calculators collection, or open it in Google Sheets.

Frequently asked questions

How is it delivered?
Instant download in Google Sheets, Excel & PDF — available right after checkout, with lifetime access.

Is it ready to use?
Yes — the formulas are built in. Enter your own numbers and it calculates automatically.