Debt-to-Income Ratio Calculator
The DTI number lenders check before approving you.
Enter your values
Enter the gross monthly income in $.
Enter the rent or mortgage in $.
Enter the other monthly debt payments in $.
Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.
- Back-end DTI
- 40.8%
- Front-end (housing) DTI
- 30%
- Lender view
- Acceptable to most lenders
- Room before 43%
- $130.00 of extra monthly debt
Quick answer
Debt-to-income ratio is total monthly debt payments divided by gross monthly income; most mortgage lenders want 43% or less.
DTI = monthly debt payments ÷ gross monthly income × 100
At a glance
| What it does | The DTI number lenders check before approving you. |
|---|---|
| Category | Finance |
| Inputs needed | Gross monthly income, Rent or mortgage, Other monthly debt payments |
| Main output | Back-end DTI |
| Formula | DTI = monthly debt payments ÷ gross monthly income × 100 |
| Cost | Free — no sign-up, no download |
How to use the Debt-to-Income Ratio Calculator
- 1Enter gross (pre-tax) monthly income.
- 2Add your housing payment.
- 3Add all other minimum debt payments to get the DTI.
Inputs explained
- Gross monthly income($)
- Enter the gross monthly income in $.
- Rent or mortgage($)
- Enter the rent or mortgage in $.
- Other monthly debt payments($)
- Enter the other monthly debt payments in $.
Worked example
Using the values the calculator loads with:
Inputs
- Gross monthly income6000 $
- Rent or mortgage1800 $
- Other monthly debt payments650 $
Results
- Back-end DTI40.8%
- Front-end (housing) DTI30%
- Lender viewAcceptable to most lenders
- Room before 43%$130.00 of extra monthly debt
Frequently asked questions
What DTI do mortgage lenders want?
Conventional loans usually cap around 43%, though strong credit and reserves can stretch it to 50% on some programs.
Do utilities count?
No. DTI counts debt payments only — loans, credit card minimums, child support and alimony. Utilities and groceries are excluded.
What do I need to enter into the Debt-to-Income Ratio Calculator?
Just 3 values: gross monthly income, rent or mortgage, other monthly debt payments. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.
How does the Debt-to-Income Ratio Calculator work out the answer?
Debt-to-income ratio is total monthly debt payments divided by gross monthly income; most mortgage lenders want 43% or less. It applies the formula DTI = monthly debt payments ÷ gross monthly income × 100 and shows the working so you can check each step by hand.
Is the Debt-to-Income Ratio Calculator free, and do I need an account?
It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.