⚖️ Debt-to-Income (DTI) Calculator
Enter your monthly housing payment, other debts and gross monthly income to get your front-end and back-end DTI ratios, with what lenders look for.
Back-end DTI (all debt)
33.3%
Front-end DTI (housing only)
25%
Healthy — within the 36% guideline
Debt-to-income ratio is your monthly debt payments divided by gross monthly income. The front-end ratio counts only housing; the back-end counts all debt (housing + loans + minimum card payments). Lenders like the back-end at or below 36%, and the "qualified mortgage" rule caps it near 43%. This is educational, not lending or financial advice. 🔒 In your browser.
How the debt-to-income (dti) calculator works
Debt-to-income ratio is your monthly debt payments divided by your gross (pre-tax) monthly income, as a percentage. The front-end ratio counts housing only (rent or mortgage, plus taxes and insurance); the back-end ratio counts all recurring debt — housing plus car loans, student loans, and minimum credit-card payments. The tool computes both and flags where they fall against common lender thresholds.
A widely used guideline is 28/36: housing at or below 28% of gross income and total debt at or below 36%. The "qualified mortgage" rule generally caps back-end DTI near 43%. Lower is safer and can improve loan terms. This is educational information, not lending or financial advice.
Frequently asked questions
How do you calculate debt-to-income ratio?
Add up your monthly debt payments and divide by your gross monthly income, then multiply by 100. If you pay $2,000 in debts on $6,000 income, your DTI is 33%.
What is the difference between front-end and back-end DTI?
Front-end counts only housing costs against income; back-end counts all debt payments (housing plus loans and minimum card payments). Lenders usually weigh the back-end ratio most heavily.
What is a good debt-to-income ratio?
Generally 36% or below (back-end) is considered healthy, and many lenders prefer housing (front-end) at or under 28%. Above 43% makes qualifying for a mortgage harder.
Does DTI use gross or net income?
Gross income — your pay before taxes and deductions. Using net (take-home) income would overstate your ratio compared with how lenders calculate it.
What debts count toward DTI?
Recurring monthly obligations: rent or mortgage (with taxes and insurance), car and student loans, minimum credit-card payments, and other loan payments. Utilities, groceries and other variable spending are not counted.
Educational information, not financial advice. These calculators use standard formulas with the figures you enter; results are illustrations, not guarantees. For decisions about your money, consult a qualified, regulated financial professional.