Debt-to-Income Ratio Calculator
Front-end and back-end DTI for mortgage qualification.
Enter your values
Enter the gross monthly income in $.
Enter the proposed housing payment 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.
- Front-end DTI
- 25.33%
- Back-end DTI
- 34%
- Assessment
- Well within typical limits
- Max recommended debts at 36% DTI
- $2,700.00
Quick answer
Most lenders want back-end DTI (all debts including housing) under 36-43% of gross income, and front-end (housing only) under 28%.
DTI = total monthly debt payments / gross monthly income
At a glance
| What it does | Front-end and back-end DTI for mortgage qualification. |
|---|---|
| Category | Finance |
| Inputs needed | Gross monthly income, Proposed housing payment, Other monthly debt payments |
| Main output | Front-end DTI |
| Formula | DTI = total monthly debt payments / gross monthly income |
| Cost | Free — no sign-up, no download |
How to use the Debt-to-Income Ratio Calculator
- 1Enter your gross (pre-tax) monthly income.
- 2Enter the proposed housing payment (principal, interest, taxes, insurance).
- 3Add up all other minimum monthly debt payments.
Inputs explained
- Gross monthly income($)
- Enter the gross monthly income in $.
- Proposed housing payment($)
- Enter the proposed housing payment in $.
- Other monthly debt payments($)
- Enter the other monthly debt payments in $.
Worked example
Using the values the calculator loads with:
Inputs
- Gross monthly income7500 $
- Proposed housing payment1900 $
- Other monthly debt payments650 $
Results
- Front-end DTI25.33%
- Back-end DTI34%
- AssessmentWell within typical limits
- Max recommended debts at 36% DTI$2,700.00
Frequently asked questions
What counts as debt?
Minimum payments on loans, credit cards, alimony and child support — not utilities or groceries.
Can I qualify with a higher DTI?
Some loan programs allow up to 45-50% DTI with compensating factors like a large down payment or high credit score.
What do I need to enter into the Debt-to-Income Ratio Calculator?
Just 3 values: gross monthly income, proposed housing payment, 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?
Most lenders want back-end DTI (all debts including housing) under 36-43% of gross income, and front-end (housing only) under 28%. It applies the formula DTI = total monthly debt payments / gross monthly income 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.