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Finance & Credit Health
Debt-to-Income Ratio Calculator
Check your front-end and back-end debt-to-income ratios, see how lenders may read the numbers, and estimate how much room you have before common 36% and 43% DTI thresholds.
Monthly income and debt
Before taxes and deductions.
Use the full housing payment.
Front-end DTI
0%
Back-end DTI
0%
Debt room to 36%
$0
Debt room to 43%
$0
Enter your monthly income and required debt payments to see your debt-to-income profile.
DTI formula
Back-end DTI = total monthly debt payments / gross monthly income x 100.
Front-end DTI only looks at housing cost. Back-end DTI includes housing plus other recurring debt.
What to improve first
- Pay down high minimum-payment debt.
- Avoid adding new debt before applying for a mortgage.
- Increase documented gross income when possible.
How to use this calculator
- Enter realistic values for your income, costs, rates, and timeline.
- Use the result cards to compare the headline numbers first.
- Review the table or explanation to understand what is driving the result.
Why this estimate is useful
This page is designed for planning and comparison. It helps you test scenarios quickly before you commit to a loan, savings plan, or housing decision.
Numbers are estimates only. For tax, legal, lending, or investment decisions, confirm details with a qualified professional.
Debt-to-Income Ratio Calculator FAQ
What counts as monthly debt?
Use recurring debt payments such as mortgage or rent, car loans, student loans, personal loans, credit card minimum payments, and other required monthly debt. Do not include groceries, utilities, or normal living expenses.
What is a good debt-to-income ratio?
Many lenders like to see a back-end DTI below 36%. Some mortgage programs may allow a higher number, but a lower DTI usually gives you more flexibility and safer monthly cash flow.
Does this calculator guarantee loan approval?
No. It is an educational estimate. Lenders also review credit score, assets, down payment, employment, loan type, and underwriting rules.
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