Financial Calculators

Debt-to-Income Calculator

Calculate your front-end housing ratio and total debt-to-income ratio from gross monthly income and recurring debt payments.

Front-end DTIBack-end DTIMonthly debt summary

Calculate debt-to-income ratio

Back-End DTI Ratio—

Housing / Front-End Ratio: —
Gross Monthly Income: —
Monthly Housing Payment: —
Total Monthly Debt: —
Remaining Gross Income After Listed Debt: —

Example planning references sometimes use 28% for housing and 36% for total debt, but these are not universal pass/fail thresholds. Lender guidelines vary by loan type, lender, income documentation, credit profile, and other factors.

Your calculation is processed in your browser and is not stored by this tool.

A ratio estimate, not an approval decision

The calculator applies the amounts you enter. Lenders use their own definitions, documents, thresholds and underwriting rules.

How to use the debt-to-income calculator

1
Enter gross income before tax and choose an annual or monthly basis.
2
Enter the monthly housing payment used for this comparison.
3
Add car, student-loan, credit-card, personal-loan, support and other recurring debt payments.
4
Review the housing ratio, total DTI and remaining gross income after entered debts.
5
Compare the estimate with the definitions used by the specific lender or program.

How DTI is calculated

When annual income is entered, the calculator divides it by 12 to get gross monthly income. Front-end DTI equals the monthly housing payment divided by gross monthly income. Back-end DTI equals all entered monthly debt payments, including housing, divided by gross monthly income. Each result is multiplied by 100 and shown as a percentage.

Monthly debt-to-income example

Suppose gross annual income is $120,000, or $10,000 per month. Housing is $2,500, a car payment is $400, a student loan is $300 and credit-card minimums total $200. The front-end ratio is 25%. Total monthly debt is $3,400, making the back-end DTI 34%.

Front-end versus back-end DTI

The front-end ratio focuses on housing. The back-end ratio includes housing plus the other recurring obligations entered. A mortgage lender may count principal, interest, property taxes, insurance and association charges in housing. Definitions vary, so use the monthly housing figure requested by the lender rather than assuming that every calculator treats it the same way.

Which monthly payments should be included?

Common inputs include minimum revolving-credit payments, installment loans, student loans, vehicle payments, court-ordered support and the proposed housing payment. Everyday spending such as groceries, utilities and phone service is generally not a debt payment in this simple ratio, although it still matters to a real household budget.

Important limitations

Gross income: DTI normally uses income before tax, not take-home pay.
Lender rules: treatment of variable income, deferred loans, leases and co-signed debt can differ.
No approval promise: a ratio alone does not determine mortgage or loan eligibility.
No affordability conclusion: taxes, living costs, savings goals and emergencies are outside this ratio.
Manual inputs: the tool does not access a credit report or verify income.

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Debt-to-Income Calculator FAQ

What does debt-to-income ratio mean?

It is the percentage of gross monthly income used for the recurring debt payments entered.

What is the DTI formula?

Add the included monthly debt payments, divide by gross monthly income and multiply by 100.

Should I use gross or net income?

Use gross income before tax unless a lender or program specifically asks for another figure.

What is front-end DTI?

It compares the entered monthly housing cost with gross monthly income.

Does the calculator pull my credit report?

No. It uses only the numbers you enter in your browser.

Does a low DTI guarantee loan approval?

No. Credit, income documentation, down payment, property and lender rules also matter.

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