28/36 DTI Smart Budgeting Calculator

Use income before taxes.
Lenders usually exclude utilities from DTI, but they affect your cash flow.

Add Your Monthly Debts (up to 10)

Items marked “(DTI)” count for lender debt-to-income; “(Budget)” are typical utilities that don’t count toward lender DTI.

Results

Max Housing @ 28% of Income
$0
Guideline cap for principal + interest + taxes + insurance (lender focus varies)
Max Total Debt @ 36% of Income
$0
All lender-counted debts including housing
Your Non-Housing Debts (DTI-counted)
$0
DTI basis
Max Housing Allowed After Debts (36% line)
$0
Enter income and debts to see your recommended housing payment range.
Tip: Use the **lower** of “Max Housing @ 28%” and “Max Housing After Debts” as your safe monthly housing target.

Household Budget View (optional)

Utilities / Budget-Only Items
$0
All Monthly Spending (Housing target + non-housing)
$0
This section helps you plan cash flow. Lenders won’t count utilities in DTI, but you should when budgeting.