Calculate front-end and back-end debt-to-income ratios from gross monthly income, housing costs, and recurring monthly debt obligations.
Debt-to-income ratio, commonly called DTI, compares specified monthly debt payments with gross monthly income before taxes and other deductions. It is one measure lenders may review alongside credit history, assets, loan details, and other factors.
This calculator provides both housing-only and total-debt ratios. It does not decide whether someone qualifies for credit, and its informational ranges are not universal lending standards.
Housing includes the entered rent or mortgage payment, property tax, housing insurance, and HOA dues.
Total monthly housing expenses ÷ total gross monthly income × 100Total debt includes housing once, plus the entered auto, student, credit-card, personal-loan, support, and other recurring debt payments.
Total monthly debt obligations ÷ total gross monthly income × 100Housing of $1,500, property tax of $300, insurance of $100, and HOA dues of $100 total $2,000. Adding a $400 auto payment, $200 student-loan payment, and $150 in credit-card minimums produces $2,750 in total monthly debt. Front-end DTI is $2,000 ÷ $6,000 × 100 = 33.33%. Back-end DTI is $2,750 ÷ $6,000 × 100 = 45.83%.
Enter income before taxes and payroll deductions, using a consistent monthly amount.
Enter recurring obligations shown on statements or agreements rather than the full outstanding balance.
Loan type, lender, credit profile, jurisdiction, and compensating factors can affect how a lender evaluates DTI.
Front-end DTI focuses only on entered housing expenses. Back-end DTI adds other listed recurring debt obligations to housing, without counting housing twice.
A renter can enter rent and leave property tax, homeowners insurance, and HOA fields blank when they do not apply.
Common entries include housing payments, auto and student loans, credit-card minimums, personal loans, court-ordered support, and other recurring monthly debt obligations.
Groceries, utilities, subscriptions, and insurance unrelated to entered housing costs generally are not included in this calculator. A lender may apply its own definitions and documentation rules.
DTI can help describe how much gross income is already committed to listed monthly debt. It is only one part of a lending review and does not represent disposable income or a complete household budget.
It is the percentage of gross monthly income represented by specified recurring monthly debt payments.
Front-end DTI compares entered monthly housing expenses with total gross monthly income.
Back-end DTI compares housing plus other entered recurring monthly debt payments with total gross monthly income.
This calculator uses gross income before taxes and payroll deductions.
They usually are not included in the DTI calculation modeled here. This calculator includes only the housing and debt fields entered.
No. Enter the required monthly minimum payment, not the outstanding card balance.
No. Lenders consider multiple factors and may define income, debt, and acceptable ratios differently.
Differences can result from verified-income methods, required-payment rules, omitted or added obligations, and lender or program standards.