# DTI Calc - Mortgage Ready — Debt-to-Income Calculator

> Debt-to-Income Calculator (iPhone/iPad app by Tae Hee Sohn.)

- Source: https://appshunter.io/ios/app/dti-calc-mortgage-ready/id6757654458 (this page in markdown: same URL + `.md`)
- Developer: [Tae Hee Sohn](https://appshunter.io/developer/1244732222)
- Category: Finance, Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 15.1 · 29 MB
- Languages: American English
- Released: 2026-01-12
- Data updated: 2026-05-17
- User reviews in markdown: https://appshunter.io/ios/app/dti-calc-mortgage-ready/id6757654458/reviews.md

## What is DTI Calc?

DTI Calc helps you instantly calculate your Debt-to-Income ratio - the #1 factor lenders use to approve mortgages.

WHAT IS DTI?
Debt-to-Income (DTI) ratio compares your monthly debt payments to your gross monthly income. Lenders use this number to determine if you can afford a mortgage.

KEY FEATURES:
• Calculate both Front-End and Back-End DTI
• See your mortgage qualification status instantly
• Find out your maximum affordable housing payment
• Simple, clean interface - no account needed
• Works offline - your data stays on your device

DTI GUIDELINES:
• Under 20% = Excellent (Best rates available)
• 20-35% = Good (Strong position)
• 36-43% = Fair (May qualify with conditions)
• Over 43% = Poor (Difficult to qualify)

THE 28/36 RULE:
Lenders typically follow the 28/36 rule:
• Housing costs should be ≤28% of gross income
• Total debts should be ≤36% of gross income

PERFECT FOR:
• First-time home buyers
• Anyone considering a mortgage
• Refinancing your current home
• Financial planning

No sign-up required. No data collected. Just simple, accurate DTI calculations.

Download now and check your mortgage readiness!


## Version history (last 1 release)

### 1.0 — 2026-01-13

No release notes.

## More apps by Tae Hee Sohn

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All apps by Tae Hee Sohn: https://appshunter.io/developer/1244732222

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-05-17.*