Free Calculator

Fixed-Income DTI Calculator

Enter each income source and monthly obligations. Non-taxable income (Social Security, disability) is grossed up before qualifying, matching common conventional and government-loan underwriting.

Social Security (monthly $)

Pension (monthly $)

Disability, non-taxable (monthly $)

RMD / annuity, taxable (monthly $)

Other taxable income (monthly $)

Gross-up on non-taxable (%)

Proposed housing PITI (monthly $)

Other monthly debts ($)

Non-taxable income

$2500

Non-taxable, grossed up

$2875

Taxable income

$2500

Total qualifying income

$5375

Front-end DTI (housing)

26.0%

Back-end DTI (all debts)

31.6%