Debt-to-Income Ratio calculator.
Calculate front-end housing ratio and back-end debt-to-income ratio from income, rent or mortgage costs, credit cards, student loans, auto loans, and other recurring debts.
Use the Debt-to-Income Ratio Calculator.
Enter income before tax and recurring monthly or annual payments. Results update automatically after income is entered.
Income, housing, and recurring debt
A sample calculation example is loaded automatically on first page load. Change the fields, use Load example to restore the sample, or use Clear fields to reset everything.
Income before tax
Use gross income before tax. Enter monthly or annual amounts; the calculator converts each line to a monthly value.
Housing payments
Housing costs are used for the front-end ratio. Include the rent or mortgage-related payment types that apply to you.
Other recurring debts and liabilities
Use minimum required monthly debt payments, not total balances. Do not include regular living costs unless they are recurring liabilities.
DTI gauge
Back-end DTI compared with commonly referenced 36%, 43%, and 50% checkpoints.
Monthly income use
Gross monthly income split into housing, other debts, proposed payment, and remaining income.
Front-end vs. back-end ratio
Housing-only ratio and total debt ratio compared with common mortgage reference limits.
Debt summary
Plain-language DTI outputs based on the values you entered.
About the Debt-to-Income Ratio Calculator
This debt-to-income ratio calculator helps you estimate both your front-end housing ratio and your back-end DTI ratio. Enter gross income before tax, housing payments, and recurring debts such as credit cards, student loans, auto loans, and other required liabilities.
What this DTI calculator includes
The calculator includes salary and earned income, pension and Social Security, investment or rental income, other income, rent, mortgage, property tax, HOA or co-op fees, insurance, credit card minimums, student loan, auto loan, other loans and liabilities, child support or alimony, and an optional proposed new payment.
Front-end ratio vs. back-end ratio
Front-end DTI compares housing costs with gross income. Back-end DTI compares total recurring debt payments with gross income. Back-end DTI is the broader number many people mean when they say debt-to-income ratio.
Common DTI reference points
Conventional mortgage references often use 28% for front-end housing ratio and 36% for back-end DTI. FHA and VA references can use different limits, and real approvals can depend on credit, assets, loan type, location, down payment, reserves, and underwriting rules.
What DTI does not measure
DTI does not directly measure credit score, emergency savings, net worth, job stability, utilities, groceries, transportation fuel, or lifestyle spending. It is only one affordability and lending-risk indicator.
Related calculators
Budget Calculator · House Affordability Calculator · Mortgage Calculator · Loan Calculator · Debt Payoff Calculator
Disclaimer: This calculator is for education and planning only. It is not financial, credit, mortgage, legal, or tax advice. Lender rules and acceptable ratios vary by loan program, credit profile, location, underwriting, income documentation, assets, and other factors.
Debt-to-income ratio FAQ
Answers about front-end DTI, back-end DTI, income, recurring debt payments, and common lender reference points.
What is debt-to-income ratio?
Debt-to-income ratio, or DTI, compares recurring debt payments with gross income before tax. It is usually shown as a percentage on a monthly basis.
What is front-end DTI?
Front-end DTI compares housing payments, such as rent or mortgage, property tax, HOA fees, and insurance, with gross income.
What is back-end DTI?
Back-end DTI compares all recurring monthly debt payments, including housing costs, credit cards, student loans, auto loans, child support, alimony, and other liabilities, with gross income.
What is a good debt-to-income ratio?
Lower is generally better. Many conventional mortgage references use 28% for front-end housing ratio and 36% for back-end DTI, while some programs may allow higher ratios.
Do I enter debt balances or monthly payments?
Use the required recurring payment amount, such as the minimum credit card payment or the scheduled monthly loan payment, not the total balance owed.
Should I use monthly or annual numbers?
You can enter either. Choose per month or per year beside each field, and the calculator converts everything to monthly amounts.
Does DTI include normal living expenses?
DTI usually focuses on recurring debt obligations and housing payments. It does not normally include groceries, utilities, transportation fuel, medical spending, or entertainment unless they are recurring liabilities.
Will this calculator affect my credit score?
No. It runs in your browser and does not check credit, save your information, or submit a loan application.
Is this financial advice?
No. It is an educational estimate. Lender rules, credit profile, down payment, assets, loan type, and underwriting can change what ratio is acceptable.